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Kentucky Closing Checklist for Hebron Home Sellers
What happens at a Hebron closing: the deed, transfer tax, payoff, prorations, keys and possession, and what to do the week before.
Key takeaways
- A title company or closing attorney handles the closing and prepares the settlement statement.
- You sign the deed; in Kentucky a general warranty deed is common in home sales.
- The deed transfer tax is $0.50 per $500 of the price, $376 on a $376,000 sale (the current Hebron median).
- Property taxes, HOA dues and utilities are settled or prorated to the closing date.
- Keys and possession pass at closing unless the contract says otherwise.
The week before closing
- Confirm the closing time and place, or a mail-away or remote signing.
- Request your mortgage payoff authorization if the title company asks.
- Complete any agreed repairs and keep the receipts.
- Schedule final meter readings and transfer or cancel utilities from the closing date.
- Gather keys, garage remotes, codes, manuals and warranties for the buyer.
- Review the draft settlement statement with your agent.
At the closing
| Item | What happens |
|---|---|
| Deed | You sign the deed transferring the home to the buyer |
| Transfer tax | $0.50 per $500 of value (or fraction of $500), paid by the seller to the county clerk when the deed is recorded |
| Mortgage payoff | Paid from the proceeds directly to your lender |
| Prorations | Property taxes (county, plus the city bill inside Florence or Union) and HOA dues are divided to the closing date |
| Commission and fees | Paid from the proceeds as set in your agreements |
| Proceeds | Sent to you by wire or check once the transaction is complete |
A general guide, not legal advice. The title company or attorney confirms every figure on the settlement statement.
After closing
- Keep your settlement statement for your taxes.
- Cancel homeowners insurance once the sale has recorded, not before.
- Watch for any escrow refund from your lender.
- Forward your mail and update your address.
Questions sellers ask
Who handles the closing in Kentucky?
A title company or closing attorney prepares the documents and settlement statement, collects and pays out the funds, and records the deed.
Do I need to attend closing?
Not always. Many sellers sign ahead of time or by mail, and the title company can often arrange a remote signing.
When do I get my money?
Once the closing is complete and funds are released, the title company sends your proceeds by wire or check, often the same day or the next business day.
From The Caldwell Group
Sell your Hebron home with a team that knows this market
The weeks before closing are full of deadlines across the lender, title company, buyer and HOA. Your agent and our transaction team track every one, review the settlement statement with you, and make sure you sign once and hand over the keys on time.
The Caldwell Group | eXp Realty has closed 350 Hebron homes since 2005, 204 of them for sellers, and has helped more than 2,600 families across Northern Kentucky and Cincinnati. We price from real sales, market the home properly and handle every deadline through closing.
Derek and his team are the best. This transaction was a tough one, with many roadblocks to overcome, none of which were his fault. Thanks to his experience and expertise, he was able to guide us to the finish line, and we could not have done it without him.
A five-star review from our Zillow profile. Read more reviews, or every review at every rating on Zillow and Google.