Closing Day Explained: What California Home Buyers Need to Know

You’ve toured homes, submitted offers, gone through inspections, and finalized financing—now it’s time for one of the most anticipated moments in the home buying journey: closing day.

I’m Keith Walker, and I’m here to walk you through exactly what to expect on closing day in California, and why it’s important to understand the final steps that lead to you officially becoming a homeowner.

1. County Recording: When Does It Happen and Why Does It Matter?

In California, your purchase is not legally complete until the county records the grant deed. This step officially transfers ownership from the seller to the buyer.

📍 What is Recording?

Recording is the process of submitting the signed deed to the county recorder’s office, making your ownership part of the public record.

• Recording hours typically fall between 8:00 AM and 5:00 PM.

• Most closings are scheduled so that recording happens between 10:00 AM and 2:00 PM, depending on:

  • When both parties sign and finalize documents

  • When the title company receives all funds

✅ Pro tip: Your real estate agent or escrow officer will track this closely and confirm the moment the deed is officially recorded.

2. When Do You Get Your Keys?

You’ll receive your keys only after recording is confirmed.

Here’s how it typically works:

• The title company notifies your real estate agent once recording is complete.

• Your agent then arranges a key handoff, usually later that same day.

• If recording happens early, you might get your keys by lunchtime. If it’s delayed, you might have to wait until late afternoon.

🎉 Official Homeowner Moment: Once the deed is recorded, you are the legal owner, and that’s when the celebration can truly begin.

3. Can You Enter the Home Before Closing? Don’t Do It.

While it may be tempting to measure for furniture or start moving boxes early—don’t enter the property before recording.

Here’s why:

• Until the grant deed is recorded, the property is still legally owned by the seller.

• If an accident occurs (e.g., someone slips, a pipe bursts, or damage happens), you could be held liable.

• Your homeowner’s insurance typically does not begin until the day of closing.

• Entering early could violate your purchase contract and trigger legal disputes.

Even if a seller’s agent gives casual permission, wait for official confirmation from the title company or your agent.

Final Thoughts: Patience Pays Off

Closing day can feel both exciting and overwhelming—but it’s also one of the most rewarding steps in your homeownership journey.

Here’s how to make it smooth:

• Communicate with your agent and escrow team

• Avoid early access to the property

• Wait for the recording confirmation before celebrating or taking possession

Once recorded, the home is officially yours—keys in hand, title in your name, and the path to your new life as a homeowner begins.

📩 If you have questions about the closing process or want a checklist to prepare for the big day, reach out. I’m here to educate and navigate—not speculate and fabricate.