What happens at closing.
One signing. One direct title transfer. Every line on the closing statement.
Title transfers once.
At closing, title transfers in a single recorded transaction, directly from you to the buyer. CFD's name never appears on the deed. CFD never takes ownership of your home.
Seller
You
Buyer
End homebuyer
One recorded transaction
Title transfers directly from you to the buyer in a single closing.
CFD fee on the statement
CFD is paid as a separate line item on the closing statement, in plain view.
Not a double close
This is a single closing, not a double close and not an assignment of your contract.
Everything is on the statement.
Every line. The buyer's lender funds the purchase. Title company handles the disbursement.
CFD's fee is a separate line.
Not hidden. Not taken out before you see it. In plain view.
Your proceeds come from the closing.
The title company sends your proceeds. One closing, one transfer, one disbursement.
The closing sequence.
Four steps from signed contract to wired proceeds.
Contract signed.
Your written contract is the start. No obligation before then.
Appraisal, underwriting, title prep.
The lender appraises and underwrites. Title Guaranty of South Florida prepares the closing statement.
Title transfers. You close.
One direct transfer from you to the buyer. CFD's fee is a separate line on the statement.
What your closing statement actually shows
The HUD-1 settlement statement, or Closing Disclosure in a lender-financed transaction, is a line-by-line accounting of every dollar that moves at closing. In a Cash Flow Deals transaction, you see three categories of lines: the purchase price the buyer's lender is wiring, the standard closing costs and prorations (property taxes, title insurance, doc stamps), and CFD's fee listed separately. Nothing is blended. Nothing is hidden in a commission structure.
Florida's documentary stamp tax on the deed is typically paid by the seller at the rate of $0.70 per $100 of the purchase price (Miami-Dade is $0.60 per $100 per Florida Statute §201.02). The title search and lender title insurance are buyer costs in most Florida transactions. Title Guaranty of South Florida handles the closing and prepares the statement, you receive the statement before you sign so you can review every line in advance.
The appraisal and underwriting period is when the buyer's lender confirms the home's value and approves the loan. In a standard Florida transaction this runs 15 to 30 business days from contract execution. During this window your price is locked. The lender may require repairs if the appraisal finds a condition that affects loanability, but CFD's structure absorbs most cosmetic and mid-tier repair credits before they reach your net figure. The exception is a structural-tier surprise (foundation, hidden moisture, old cloth wiring, cast-iron drain failure) that was not visible or disclosed before signing.
Title transfers once. From the seller (you) directly to the buyer, in one closing conducted by Title Guaranty of South Florida. There is no intermediate entity that takes title between you and the end buyer. This is what distinguishes a CFD novation from a wholesale assignment or a double close, the latter two involve a second title transfer and often a second set of closing costs that come out of the seller's net.
On closing day, the buyer's lender wires funds to the title company. The title company pays off any mortgage balance, distributes closing costs, pays CFD's fee, and wires your net proceeds. The wire to you typically clears the same day the buyer signs. You do not wait for a check, you wait for a wire, and it arrives the same afternoon in most Florida title closings.
CFD is not making a cash offer on this site. Buyer financing and terms depend on property fit, buyer qualification, lender approval, and closing conditions. The final number and timeline appear in your written contract.