Otherwise, the closing room at a NY closing is surely the most crowded of any state. The buyers, sellers, each of their attorneys, the bank attorney and the title closer are all generally at the closing at the same time. Not to mention the realtors and sometimes the loan officer. In the old days, the sellers and their attorney could just come at the end, sign the HUD1 and get their money, if all adjustments between buyer and seller are worked out in advance. These days, all banks must approve a signed HUD1 before they allow funds to be released, so coming early in the closing is the smart idea. Banks and RESPA laws have changed, so although a pre-HUD is prepared the day before, there always seems that something changes slightly at the last minute and they need to approve it again, signed. The buyer is the only one who signs the other hundred of papers that are in the normal bank closing package.