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Closing laws · By stateReal estate closing laws by state: checklists for transaction coordinators

Every state layers its own statutes on top of the federal closing rules, and they arrive in roughly the same order in every deal: the brokerage or buyer agreement, the seller's disclosure, the HOA or condo resale certificate, the deed and recording, the state and local transfer taxes, special rules for tenant-occupied homes, and filings after closing such as a homestead exemption. These checklists put one state's rules in that order, with the statute for each and a link to a guide written from the official code. They cover Arizona, California, Colorado, Connecticut, the District of Columbia, Florida, Iowa, Kentucky, Maine, Michigan, Minnesota, Missouri, Nevada, North Carolina, North Dakota, Pennsylvania, South Carolina, Texas, Utah, Virginia and Washington.

What each checklist covers

  • The agreement with the brokerage and the seller's disclosure.
  • HOA or condo resale documents and the buyer's review window.
  • Deeds, recording and transfer taxes.
  • Tenant deposits when the home is rented.
  • What the buyer files after closing.

Questions about state closing laws

Do closing rules differ by state?

Yes. Federal rules such as the Closing Disclosure apply everywhere, but disclosures, resale certificates, transfer taxes, deed forms and tenant deposit rules come from state statutes.

Where do these checklists come from?

Each point cites the state statute and links to a guide written from the official code.

ClosingCode links key checklist steps to the state guides – add a deal and the steps come with owners and due dates.

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Sources: the statutes cited in each state checklist (official state legislature sites, read for the linked guides).

General information, not legal advice. Each state links to its checklist with the details. ClosingCode is software; it is not a law firm. This guide is not a substitute for the advice or services of an attorney.