Closing on a new construction home is where all your choices and plans finally come together. 

While the process is different from buying resale, it shouldn’t feel complicated. With the right guidance, closing stays simple and enjoyable. 

Here are the six key steps from contract to keys-in-hand.

Step 1: Secure Financing to Begin Closing on Your New Construction Home

Securing your financing is the first step in closing on a new construction home. It sets your budget, locks in your loan structure, and keeps your build on schedule. 

Working with Preferred Lenders who understand new-build timelines makes the process faster and more predictable.

You can typically expect:

• Quicker approvals

• Smoother communication between the lender and builder

• More predictable closing timelines

Because every buyer’s financial path looks different, we partner with a range of Preferred Lenders so you can choose the option that feels right for you.

• Ameris Bank helps buyers with flexible loan structures and reliable rate-lock options
• Renasant Bank offers hands-on guidance from application through closing
• Capital City Home Loans supports buyers who need specialized financing or more tailored loan pathways
• Academy Mortgage brings more than 30 years of experience helping families secure new-home financing
• U.S. Bank provides seasoned new-build lending expertise and consistent communication
• Bridgeway Lending Partners offers multilingual support and custom solutions that meet unique financial needs

Step 2: Track Your Build Progress to Stay on Schedule for Closing

Tracking your build progress helps you understand each milestone and what comes next. 

You’ll receive updates throughout the build and attend key walkthroughs that confirm the home is moving forward as planned.

Staying connected is especially helpful in active markets like Metro Atlanta. Residential construction permits in 2025 declined 6% from the previous year, which can influence build pacing. 

Your Providence Group team manages these details so you can simply enjoy watching your home take shape.

Step 3: Review Your Closing Disclosure to Understand Final Costs

Reviewing your Closing Disclosure is one of the most critical steps in closing on a new construction home. This document outlines your final numbers, including loan terms, projected payments, and closing costs.

You’ll receive it at least three days before closing, giving you time to ask questions and review everything with your lender.

Typical Georgia closing costs are 2%–5% of the home’s price, and vary based on loan type and incentives.

A quick, thorough review means you’ll sail smoothly through closing day without surprises.

Step 4: Complete Your Final Walkthrough Before Closing Day

Completing your final walkthrough is your chance to walk the home with your builder, see each detail up close, and confirm everything matches your selections.

During your walkthrough, you’ll review:

• Interior finishes
• Appliances
• Systems and controls
• Exterior features
• Any items to address before closing

This walkthrough will help you close with confidence!

Step 5: Prepare for Closing Day and Final Signatures

Preparing for closing day is the last major milestone before you receive your keys. This step includes gathering documents, confirming wire instructions, and coordinating with your lender to finalize the totals.

Once everything is ready, you’ll:

• Meet with the closing attorney
• Review your documents
• Sign the final paperwork
• Officially become a homeowner!

Step 6: Settle In and Access Support After Closing

Your relationship with The Providence Group continues long after move-in. After closing, you’ll receive:

• Warranty information
• Customer care contact details
• Maintenance recommendations
• Access to homeowner resources
  
  

Every homeowner is also backed by the StrucSure Home Warranty program, which includes one year of workmanship coverage, two years of systems protection, and a 10-year structural warranty that starts the day you close. 

Our in-house customer service team is always available to answer questions or guide you through the claims process if needed.

Our goal is to make your first days — and every day after — feel easy and exciting!

Learn more about our warranties.

FAQs About Closing on a New Construction Home

Who are The Providence Group’s preferred lenders?

Ameris Bank, Renasant Bank, Capital City Home Loans, Academy Mortgage, U.S. Bank, and Bridgeway Lending Partners. 

When do you close on a new construction home?

After the home passes final inspections and receives a Certificate of Occupancy.

Who pays closing costs on a new construction home?

Buyers typically pay them, though incentives may be available.

How much are closing costs on a new construction home?

Most buyers pay between 2% and 5% of the purchase price.

What do you do after closing on a new construction home?

After your closing appointment, your first tasks typically include:

• Registering your home warranties
• Organizing your closing documents
• Updating your address for mail, deliveries, and accounts
• Activating utilities and requesting HOA access
• Picking up your mailbox key at the main post office
• Checking that locks and openers are working properly
• Planning seasonal maintenance reminders

Closing on a new construction home is a huge journey, and having a clear roadmap makes every step feel more manageable. 

With the right lender, a supportive team, and a thoughtfully crafted home waiting for you, the experience becomes something to look forward to (not stress over). 

Ready to feel the relief of a closing process that actually supports you? Contact us and begin your path to a beautifully built home.