Key Takeaways
- Title companies in Florida require documents from both buyers and sellers to complete the closing.
- Common documents include identification, purchase agreements, deeds, loan paperwork, and payoff statements.
- Sellers provide proof of ownership, tax records, and mortgage payoff information.
- Buyers provide loan approval documents, insurance proof, and funds for closing.
- The Title Haus ensures every document is reviewed, explained, and processed with legal oversight.
What Documents Does a Title Company Need in Florida
Closing on a home or commercial property in Florida requires organization, accuracy, and legal compliance. The title company is responsible for gathering and reviewing all necessary documents before transferring ownership. Both buyers and sellers must provide paperwork to ensure the title is clear and the transaction can close smoothly.
Here’s a guide to the documents title companies need in Floridaand why they matter.
Buyer Documents Required by Title Companies
Buyers play a key role in providing financial and legal documents that demonstrate their ability to purchase the property.
Identification
- Government-issued photo ID such as a driver’s license or passport
- Proof of Social Security number if required by the lender
Loan Approval and Mortgage Documents
- Mortgage pre-approval or final loan approval
- Closing disclosure from the lender
- Loan estimate detailing interest rate, terms, and monthly payments
Proof of Insurance
- Homeowner’s insurance policy declaration page
- Flood insurance policy if required in certain Florida zones
Funds for Closing
- Wire transfer instructions for down payment and closing costs
- Proof of earnest money deposit already submitted
Seller Documents Required by Title Companies
Sellers must provide proof of ownership and information about any outstanding obligations on the property.
Proof of Ownership
- The existing deed showing ownership of the property
- Government-issued ID for verification
Mortgage and Payoff Information
- Mortgage payoff statement from the lender
- Information on any home equity loans or second mortgages
Tax and Association Records
- Property tax records confirming payment status
- Homeowners association documents and approval, if applicable
Contract Documents Required
Both buyers and sellers rely on the purchase contract as the foundation of the closing process.
Real Estate Purchase Agreement
This contract outlines the sale terms, including purchase price, contingencies, and closing date.
Addenda or Amendments
Any updates, extensions, or negotiated changes must be documented and included.
Title-Related Documents
The title company prepares and reviews specific legal documents tied to ownership transfer.
Title Search Results
A record of liens, claims, or encumbrances found during the search.
Title Insurance Documentation
- Lender’s title insurance policy
- Owner’s title insurance policy (optional but recommended for buyers)
Deed Preparation and Transfer Documents
The title company ensures ownership is transferred correctly by preparing and recording deeds.
Warranty Deed or Quitclaim Deed
This transfers ownership from the seller to the buyer.
Recording Information
Details for filing the deed with the county clerk to update public records.
Escrow and Financial Documents
The title company manages escrow, so accurate financial documents are essential.
Escrow Instructions
Written directions on how funds should be handled and disbursed.
Settlement Statement
A breakdown of all closing costs, showing what each party owes and receives.
Tax and Legal Compliance Documents
Florida requires additional legal compliance in certain transactions.
IRS Forms
Sellers may need to complete IRS Form W-9 for tax reporting.
FIRPTA Affidavit
Required if the seller is a foreign national, ensuring proper withholding.
Why These Documents Matter
The title company’s role is to protect both parties. By collecting and reviewing these documents, they:
- Verify legal ownership
- Ensure funds are properly managed
- Confirm all debts and obligations are satisfied
- Protect lenders and buyers with title insurance
How The Title Haus Handles Document Preparation
At The Title Haus, we do more than collect paperwork. Our attorney-backed team reviews each document for accuracy, explains requirements clearly, and ensures every step complies with Florida law. By streamlining the process, we make closing easier for buyers, sellers, agents, and lenders alike.
Close With Confidence at The Title Haus
The number of documents required in a Florida closing can feel overwhelming, but you don’t have to navigate it alone. The Title Haus provides clear guidance, detailed explanations, and attorney-backed oversight to make sure no detail is missed.
From buyer financing paperwork to seller payoff statements, we handle every step with care so you can focus on moving forward.
Contact The Title Haus todayto ensure your Florida closing is smooth, accurate, and stress-free.
At Title Haus, we’re more than a title company — we’re a team built on integrity, collaboration, and a dedication to excellence. We value every team member and create an environment where ideas are welcomed, growth is encouraged, and your work makes a real difference.
Whether you’re an experienced title professional or new to the industry, you’ll have opportunities to develop your skills across a wide range of real estate transactions — from residential and commercial closings to specialized title services. We offer a flexible, client-focused culture with room to innovate and advance.
If you’re seeking meaningful work, professional growth, and a team that truly values your contribution, Title Haus is where you belong.
