When keys actually change hands
In wet-funding states (most of the US), you often receive keys at or immediately after signing — usually from your realtor after they confirm funding with title.
In dry-funding states (parts of the West Coast), you receive keys the same day funding is confirmed, which is 1–3 business days after signing.
Key transfer usually happens through: 1. Lockbox code shared by your realtor once funding is confirmed 2. Physical key handoff from the listing agent at the property 3. Keys left inside the home with an inspection walkthrough
Do a final walkthrough with your agent before signing — verify the seller has moved out, no major damage occurred since inspection, and included appliances are still there.
First 72 hours: the priority list
1. Change all exterior locks. You have no idea how many people have keys to your new home — cleaners, contractors, ex-tenants, dog walkers. $200 at Home Depot or a locksmith.
2. Change garage door codes and reset any smart locks.
3. Confirm all utilities are in your name. Water, electric, gas, internet. Some are automatic; most require you to call.
4. Set up mail forwarding. USPS online: 15 minutes.
5. Take date-stamped photos of every room and system. Insurance protection if anything is damaged in move-in.
6. Test all smoke and CO detectors. Replace batteries. Consider hardwired 10-year sealed units.
7. Locate the water main shutoff and label it. Locate the electrical panel. Locate the HVAC filters.
8. Change HVAC filter. Almost always needed.
First-month priorities
1. File homestead exemption if your state offers it (some deadlines are strict).
2. Update driver's license and voter registration.
3. Introduce yourself to neighbors. Best move-in investment. Neighbors watch out for each other.
4. Deep-clean before unpacking if possible. Steam clean carpets, wipe every cabinet interior.
5. Meet the property. Walk the property line. Find all HVAC returns and supplies. Test every faucet, outlet, and light. Note anything odd for warranty or memory.
6. Save all closing documents in one place. Digital + hard copy. You'll need them for taxes, refinance, sale, or insurance claims.
Congrats — you're a homeowner.
Is this path right for you?
Frequently asked questions
When do I get the keys after closing?
In wet-funding states, usually same day as signing. In dry-funding states, at funding (1–3 business days after signing).
Should I change the locks right away?
Yes — always. You don't know who has copies. Locksmith or Home Depot, $150–$250.
Do I need homeowners insurance active before I get keys?
Yes — required by your lender at closing. Confirm the policy is active on closing day, not the day after.
Related guides
- The Complete First-Time Homebuyer's Readiness Guide
- How much home you can actually afford
- Pre-approval checklist
- Back to the Knowledge Base
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