What Happens After Closing? A Step-by-Step Guide for Buyers and Sellers in Southern Indiana

Published: November 24, 2025

Most buyers think the process is complete once the documents are signed—but several important steps still take place after closing. Aristocrat Title is breaking down what happens behind the scenes so buyers and sellers across Southern Indiana and Greater Louisville know exactly what to expect once the keys change hands.

1. Funding and Disbursement

Once all documents are signed and lender approval is confirmed, funds are released. This includes:

• seller proceeds

• mortgage payoffs

• taxes and assessments

• agent commissions

In Indiana, disbursement cannot occur until funds have fully cleared in compliance with Good Funds Law.

2. Recording of Documents

Next, Aristocrat Title submits documents to the appropriate county recorder for official recording. This step legally transfers ownership and may include:

• the deed

• mortgage documents (if applicable)

• any required affidavits

Recording timelines may vary by county due to staffing, volume, and holiday schedules.

3. Title Policy Issuance

After recording is confirmed, Aristocrat Title issues:

• lender’s title insurance policy

• owner’s title insurance policy (if purchased)

Policies protect against future claims related to prior title defects, even if discovered years later.

4. Final Payoffs and Releases

If the seller had an existing mortgage or liens, Aristocrat Title ensures:

• payoff funds are delivered

• the prior lender processes the release

• the release is recorded once issued

Some lenders may take several weeks to send a release—this is normal.

5. Final Closing Package Delivery

Buyers and sellers will receive digital or physical copies of their signed documents. These may include:

• settlement statement

• deed

• closing disclosures

• wiring confirmations

Clients should retain these records for tax and future reference.

6. Property Tax and Homestead Exemptions

After closing, buyers may need to:

• update mailing addresses with the county

• apply for homestead exemptions (where applicable)

• review upcoming tax billing cycles

Aristocrat Title can provide general guidance and direct clients to appropriate county offices.

7. Who to Contact With Questions

If items arise after closing—such as recording status, releases, or policy delivery—clients may contact Aristocrat Title directly. The team remains available even after the transaction is complete.

Stay Informed With Local Insights

Aristocrat Title regularly shares educational updates for buyers, sellers, and real estate professionals across Southern Indiana and Greater Louisville. Visit the News page for recent articles.

To schedule a closing or request assistance, call 812.282.8704 or visit aristocrattitle.com