Real Estate Documents You Need to Be Familiar With

Real estate transactions often involve a lot of paperwork, and having a basic understanding of the types of documents involved can help ensure a smooth and successful deal. Here are some real estate documents you need to be familiar with.

Purchase Agreement

The purchase agreement, also known as a sales contract or agreement of sale, is the contract between the buyer and seller outlining the terms of the sale. It includes the purchase price, financing, closing date, inspection contingencies, and any other relevant terms. Both parties sign the purchase agreement, making it legally binding.


A deed is a legal document that transfers ownership of the property from the seller to the buyer. There are different types of deeds, but the most common is a warranty deed, which guarantees that the seller has clear title to the property and the right to sell it. It also includes a legal description of the property and is recorded in the county where the property is located.

Title Report and Title Insurance Policy

The title report is a document that shows the legal ownership of the property and any liens or other encumbrances that could affect the title’s validity. Title insurance protects the property owner and lender from any future claims against the property’s title.

Mortgage Documents

If the buyer is financing the purchase, several other documents will be required. These include a loan application, loan estimate, and closing disclosure statement. They outline the terms of the loan, such as the interest rate, repayment schedule, and fees.

Homeowner’s Insurance Policy

Homeowner’s insurance is typically required by mortgage lenders to protect the property against loss or damage caused by fire, storms, theft, or other perils. It also includes liability coverage if someone is injured on the property.

Home Inspection Report

A home inspection is usually conducted by a licensed inspector before the sale is finalized. The inspector provides a report detailing the condition of major systems and components of the home, such as the electrical, plumbing, and HVAC systems, foundation, roof, and exterior.


Sellers are required to provide certain disclosures regarding the property’s condition and history. These disclosures may include information about previous repairs, renovations, environmental hazards, property taxes, and other pertinent details that could affect the buyer’s decision.

Closing Documents

Finally, there are several documents that must be signed by both the buyer and seller at the closing of the sale. These include the settlement statement, which outlines all the costs associated with the sale, and the deed transferring ownership to the buyer.
In conclusion, understanding these real estate documents can help you navigate the home-buying or selling process with confidence. It’s important to seek the advice of a real estate agent, attorney, or other professional if you have any questions or concerns about the documents involved in your transaction.

Check out HelpRange

Check out our product HelpRange. It is designed to securely store (GDPR compliant), share, protect, sell, e-sign and analyze usage of your documents.