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Closing, or settlement, brings the transaction's documents, funds, and required

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conditions together.

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Think of coordinated steps, not merely a ceremonial handover of

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keys.

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The parties review and sign the required documents.

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Funds and conditions are checked.

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Authorized disbursement, conveyance, and recording occur through the applicable

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closing process.

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Their exact order can vary.

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Keep each document's role clear:

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the deed conveys an interest, the note promises repayment, and

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the security instrument secures the obligation.

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The Closing Disclosure reports final loan terms and costs for

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covered transactions; it does not itself convey title.

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Quick check:

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is the Closing Disclosure the deed transferring ownership?

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No.

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Different closing documents perform different functions.