So what is a real estate closing anyway?  Well simply put it's the exchange of money for keys.  This is the time where you sit down with your bank, your attorney and  the seller's attorney and actually signed all of the loan documents.  Your bank will provide the check for the seller and the deed will be recorded.  At that point the home is yours.  You can sometimes get the keys right then at the closing or often from the realtor after the closing.