---
title: Closing Day & Funding
description: "What to expect when your Upright Lending loan closes: clear to close, signing, your settlement statement, wiring funds safely and what happens after funding."
---

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1. [Customer Help Center](https://help.uprightlending.com/borrower-knowledge-base?hsLang=en-us)
2. [Getting Started](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us)
3. [Closing Your Loan](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us#closing-your-loan)

# Closing Day & Funding

## The last steps from clear to close through funding, how to wire your funds safely, and what happens right after your loan funds.

### Clear to Close

Your loan is clear to close once every condition is signed off: valuation, title, insurance, entity documents and any items from underwriting. We then send the loan documents to your title company and confirm the signing date with you. With everything in early, loans can close in as few as 7 days.

### Review Your Settlement Statement

Your title company prepares the settlement statement, and we review it before closing. It shows the loan amount, the purchase price or payoff, your cash to close and every fee. Lender fees match your term sheet, typically an origination fee, an underwriting fee and a document preparation fee, and your diligence deposit is credited.

On rehab and construction loans, your rehab budget isn't paid out at closing. It appears on the statement as funds set aside for your draws.

### Signing

- Each signer brings a valid government ID.
- Sign with your title company, in person or with a mobile notary they arrange.
- Sign as your entity's authorized signer, and personally as guarantor where required.
- Sign your name exactly as it appears on the documents.

### Wiring Your Funds Safely

- Wire instructions for your closing come from your title company, never from Upright.
- Confirm the instructions by calling your title company at a phone number you already know, not one listed in the email.
- If you get an email that changes wire instructions, don't send money. Call your title company and your branch first.
- Send your cash to close at least one business day before closing so it arrives in time.

We verify every title company's wire instructions and closing protection letter through an independent service before we fund.

### Funding

Your title company sends us scans of the fully signed package. We fund once we've confirmed:

- Every document is signed and notarized.
- The settlement statement matches the approved figures.
- Your funds have arrived.
- Title is ready to insure.

### After Your Loan Funds

- Your loan is set up with your loan servicer, who sends payment instructions. See [Understanding Your Loan Servicer](https://help.uprightlending.com/borrower-knowledge-base/understanding-your-loan-servicer?hsLang=en-us).
- Your title company records the mortgage and issues the final title policy.
- On rehab loans, you request draws through Sitewire. See [Using Sitewire](https://help.uprightlending.com/borrower-knowledge-base/rehab-construction-draws?hsLang=en-us#using-sitewire).
- Keep your insurance active and send renewals to your servicer. See [Insurance Requirements](https://help.uprightlending.com/borrower-knowledge-base/insurance-requirements?hsLang=en-us).

For the full picture, read [What to Expect After Your Short-Term Loan Funds](https://help.uprightlending.com/borrower-knowledge-base/what-to-expect-after-your-short-term-loan-loan-funds?hsLang=en-us) or [What to Expect After Your DSCR Loan Funds](https://help.uprightlending.com/borrower-knowledge-base/what-to-expect-after-your-dscr-loan-funds?hsLang=en-us).

 

- [Getting Started](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us#main-content)

    - [Your Account](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us#your-account)
    - [Applying For A Loan](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us#applying-for-a-loan)
    - [Closing Your Loan](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us#closing-your-loan)
    - [After Your Loan Funds](https://help.uprightlending.com/borrower-knowledge-base/getting-started?hsLang=en-us#after-your-loan-funds)
- [Payments & Servicing](https://help.uprightlending.com/borrower-knowledge-base/payments-servicing?hsLang=en-us)
- [Rehab & Construction Draws](https://help.uprightlending.com/borrower-knowledge-base/rehab-construction-draws?hsLang=en-us#main-content)

    - [Draws Overview](https://help.uprightlending.com/borrower-knowledge-base/rehab-construction-draws?hsLang=en-us#draws-overview)
    - [Using Sitewire](https://help.uprightlending.com/borrower-knowledge-base/rehab-construction-draws?hsLang=en-us#using-sitewire)
- [Exiting Your Loan](https://help.uprightlending.com/borrower-knowledge-base/exiting-your-loan?hsLang=en-us)

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