Whether you are selling a home or assisting a client as a real estate professional, closing day is an important milestone. After weeks—or even months—of preparation, it is natural to ask one of the most common questions we hear at Texas Title Assurance: When will I receive my check or proceeds from closing?

Understanding the timing of disbursements can help set expectations and reduce uncertainty at the final stage of the transaction.

How Soon Are Funds Distributed After Closing?

We make every effort to disburse funds to all parties as quickly as possible, often on the same business day the transaction closes. However, the exact timing may vary depending on several factors, including:

• The day of the week the closing occurs

• The time of day documents are finalized

• Banking hours and processing schedules

Most financial institutions do not process transactions after normal business hours and are closed on weekends and federal holidays, which can affect timing.

What Sellers and Realtors Can Typically Expect

Sellers

If you are receiving net proceeds from the sale of a property, you can generally expect your check to be issued the same day or the next business day following closing, assuming all funds have been received and documents have been properly recorded.

Real Estate Agents

Realtors receiving commission payments can usually expect payment within the same timeframe, provided all requirements related to the transaction have been met.

If you are not local or have requested that payment be mailed, delivery time may add an additional one to two business days.

Choosing a Closing Date Can Make a Difference

To help avoid delays, some sellers and agents prefer to schedule closings earlier in the week. Monday through Thursday closings may allow for faster processing and reduce the chance of waiting through a weekend or bank closure for funds to be released.

Paper Check vs. Wire Transfer

It is a common assumption that wire transfers are always faster than paper checks. In practice, this is not always the case.

Wire transfers often require additional verification and approval steps due to increased cybersecurity precautions. In some situations, these safeguards may result in an additional processing period before funds are released.

Both methods are secure when handled properly, and the most appropriate option may depend on timing, verification requirements, and individual preference.

Clear Communication at Closing

Every transaction is unique, and payment timing can vary based on circumstances beyond anyone’s control. Our team is committed to clear communication and will review available options with you during the closing process so you know what to expect.

If you have questions about disbursement timing, payment methods, or scheduling your closing, we encourage you to contact Texas Title Assurance directly. We are here to help ensure a smooth and well-informed closing experience.