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Offers & contracts
You review and sign the final documents, the money moves through escrow, ownership records in your name, and you get keys. An hour or two, mostly signatures.
Before the day: you'll receive the Closing Disclosure at least three business days ahead (compare it to your Loan Estimate — that's what the three days are for), do a final walk-through of the home, and arrange your funds as the settlement agent instructs.
At the table: the settlement agent walks you through the note, the deed of trust, and the disclosures; you sign, the funds disburse, and the deed goes to record. You are allowed to read, to ask, and to make someone explain any number that doesn't match your documents.
One warning worth repeating forever: confirm wiring instructions by phone, on a number you found yourself — never from an email. Last-minute "updated instructions" are the signature move of wire fraud against homebuyers.
Source: CFPB — Closing Disclosure explainer
Who confirms it for you: Your settlement agent runs the logistics; your Closing Disclosure holds the final numbers.
Educational, not advice — and never an eligibility determination. Program rules and loan requirements change; the cited source and the named confirmer are the authorities for your case.