Who closes
A title company or an attorney acts as closing agent: they hold the deposit, search the title, prepare the closing statement and record the deed.
Title search and insurance
The search checks liens and ownership issues. Title insurance protects against problems that were not found; who pays the owner's policy depends on local custom and the contract.
What to review
Compare the closing disclosure with your estimate and confirm that all payoffs and prorations are right. Ask questions before you sign.
When your own attorney helps
For complex purchases, entities, foreign buyers or condo disputes, hire your own Florida attorney to review documents. Lidiya Tretyak is a licensed Florida real estate agent with Douglas Elliman and speaks English, Russian and Ukrainian; the first consultation is free.
This guide is general information, not legal or tax advice. Laws and programs change — confirm details with a Florida attorney and a US tax professional.
