What happens at a VA loan closing

Who handles your closing

Depending on your state, your closing is handled by a real estate closing attorney, a title or escrow company, or both. Their job is to confirm the seller can legally transfer the property, settle any liens or unpaid taxes, collect and disburse the money, and record the deed.

A mobile notary or signing agent is a different role. They bring the signing to you — at your home, your unit, or another agreed place — and confirm your identity as you sign. They do not give legal advice.

Documents you will actually sign

Most of the stack is standard. The pages worth slowing down for are these:

• Closing Disclosure — the final list of every dollar you pay or receive. Compare it line by line to your Loan Estimate.
• Promissory note — your promise to repay the loan, with the rate and term.
• Deed of trust or mortgage — the document that secures the loan against the property.
• VA-specific forms, including your occupancy certification.

The VA funding fee

Most VA borrowers pay a one-time funding fee, which can be rolled into the loan. Veterans receiving VA compensation for a service-connected disability, and some surviving spouses, are exempt. If you believe you are exempt, raise it early — corrections after closing are slow.

Questions to ask before closing day

Ask how the closer prefers to receive your funds, how much notice they need for a wire, whether they can close remotely, and who to call if the date slips. A good closer answers all four without hesitation.