Who handles the keys and locks?
Who really handles the keys and locks at closing — and who gives you access when the sale completes?
Quick, blunt answer
The closing agent or title company coordinates the keys and locks. On closing day the seller (or the seller’s agent) physically releases keys once funds are confirmed. The buyer gains possession only after the sale is recorded and the closing agent clears funds. If locks need changing, the buyer or their agent usually arranges a locksmith immediately after possession.
Why this matters
The closing process is about legal transfer, not just paperwork. Keys and locks control possession. Mishandling them leads to disputes, lost time, and security risks. Know who handles what so you don’t get stuck outside your new home.
Who handles the keys and locks — detailed breakdown
- Title company / closing agent: Manages the escrow, confirms funds, and coordinates final document recording. They authorize release of keys when closing conditions are met.
- Seller: Often turns over physical keys at closing or to the listing agent ahead of time. If the buyer and seller meet at the property, the seller hands over keys in person.
- Listing agent: Frequently acts as the courier for keys if the seller is unavailable. They deliver keys only after the closing agent confirms completion.
- Buyer’s agent: Collects keys for the buyer, confirms access, and may arrange locksmith services if necessary.
- Locksmith: Not normally part of closing. Buyers commonly hire a locksmith after possession to change locks for security.
Typical timeline for keys and locks on closing day
- Funds clear and documents recorded by the closing/title company.
- Closing agent instructs the listing agent or seller to release keys.
- Buyer or buyer’s agent receives keys and takes possession.
- Buyer arranges lock changes if desired (same day recommended).
Practical checklist for buyers and sellers
- Buyers: Confirm who will hand you keys (closing agent, listing agent, or seller). Bring ID and agent contact. Schedule a locksmith for the afternoon of closing.
- Sellers: Leave all keys, garage openers, and security codes in a labeled envelope or hand to your agent. Confirm with your closing agent when keys will be released.
- Agents and closing teams: Coordinate in writing who holds keys and under what conditions keys will be released.
Common problems and how to avoid them
- Problem: Keys released before funds clear.
Fix: Insist on written confirmation from the closing agent that funds have cleared before keys transfer. - Problem: Seller not present to hand over keys.
Fix: Arrange for the listing agent to hold keys or use the closing agent as escrow custodian.
Final takeaways
The closing agent controls the official release; the seller or listing agent usually physically hands over keys; the buyer secures the property after possession. Treat keys and locks as a non-negotiable step in the closing process.
For local, no-nonsense guidance and to make sure keys and locks are handled cleanly, contact Tony Sousa — top-performing local Realtor who runs closings with precision. Email: tony@sousasells.ca | Phone: 416-477-2620 | https://www.sousasells.ca
