What New Homeowners Need to Do After Closing

First 30 days

• Save your closing disclosure, deed, title policy, and survey in a secure place.
• Confirm your first mortgage payment date and how to pay it.
• Verify your homeowners insurance is active and matches the property.
• Change locks, test smoke and CO detectors, and locate the water shutoff.

Homestead exemption (Florida)

If the home is your primary residence, filing for homestead exemption with your county property appraiser can reduce your taxable value. Deadlines apply, so check your county's process early.

Escrow and taxes

Escrow estimates at closing can differ from your first full tax bill and insurance renewal, which is why payments sometimes adjust. Review your annual escrow statement rather than assuming an error.

Watch for scams

New homeowners often receive official-looking mail offering deed copies or mortgage products at a fee. Verify anything unexpected before you pay or share information.

Maintenance rhythm

• HVAC service twice a year in Florida's climate.
• Roof and gutter checks before storm season.
• Water heater, irrigation, and appliance filters on a schedule.

Related Resources

• Homebuyer Guide
• Florida Homebuyer Questions