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Minnesota · Minn. Stat. §507.45Minnesota residential closings: the seller's choice of closer and the closing fee notice

Minnesota lets a licensed attorney, real estate broker, real estate salesperson or real estate closing agent provide residential closing services and charge for them (Minn. Stat. §507.45, subd. 1). A closing agent may not charge for closing services – apart from charges disclosed under Regulation Z or estimated under RESPA – unless the party is told of the charge in writing at least five business days before the closing (subd. 2). When a broker, salesperson or closing agent closes, the written contract for closing services must state in at least 10-point type that they may not give opinions on the legal effect of the closing documents or the closing, and no closing fee may be charged on a transfer closed without a mortgagee's or owner's title insurance commitment or a legal opinion on the title (subd. 3). No salesperson, broker, attorney, auctioneer, builder, title agent, lender or other person may require anyone to use a particular attorney, broker, salesperson or closing agent, and every listing agreement must include a notice of that right that asks the seller to say in writing whether the licensee may arrange the closing or the seller will arrange it, and discloses any controlled business arrangement between the licensee and the proposed closing agent (subd. 4).

The rules

  1. 1. Listing agreement notice (subd. 4(b))

    Seller chooses in writing who arranges the closing; affiliated closers disclosed.

  2. 2. No required closer (subd. 4(a))

    Nobody may require a particular attorney, broker or closing agent.

  3. 3. Fee notice (subd. 2)

    In writing 5 business days before closing, unless disclosed under Reg Z or RESPA.

  4. 4. Non-attorney closers (subd. 3)

    10-point no-legal-opinion statement; no fee without a title commitment or opinion.

What the TC can do

  • Check that the listing agreement's closer-choice notice is filled in and signed by the seller.
  • If the brokerage proposes an affiliated closer, make sure the arrangement is disclosed in that notice.
  • Confirm any closing fee outside the Loan Estimate or Closing Disclosure was given in writing 5 business days before closing.

Questions about Minnesota closers

Can a Minnesota agent require a seller to use their closing company?

No – nobody may require a person to use a particular attorney, broker, salesperson or closing agent (Minn. Stat. §507.45, subd. 4(a)).

What must a Minnesota listing agreement say about closing?

It must include a notice asking the seller to indicate in writing whether the licensee may arrange closing services or the seller will, and disclose any controlled business arrangement (subd. 4(b)).

When must a Minnesota closing fee be disclosed?

In writing at least five business days before closing, unless it's disclosed under Regulation Z or estimated under RESPA (subd. 2).

Related guides

On a Minnesota listing, ClosingCode links the signed-listing-agreement step to this guide – add a deal and see it.

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Source: Minnesota Statutes §507.45 (revisor.mn.gov, read October 26, 2026).

General information, not legal advice. ClosingCode is software; it is not a law firm or a closing agent. This guide is not a substitute for the advice or services of an attorney.