Fully Online Closing Overview

A fully online closing allows you to complete the entire closing process digitally—including document signing, identity verification via SSN/ITIN or photo ID, and a live video notary session—without any printing, in-person meetings, or overnight shipping, using a device with camera and microphone and following steps such as reviewing documents through a Proof account and eSigning non-notarized documents before the notary meeting.

Full Online Closing Overview

Audience: Everyone

The short answer: A fully online closing means everything from signing your documents to meeting with a notary happens online. No printing, no in-person appointments, and no overnight shipping required.

Want to see how it works before you start? Try the interactive demo below:

Try the Interactive Demo\ \ See exactly what to expect before your session.\ For optimal performance, view on a tablet or computer.\ \ \ Launch Demo →

What You'll Need

Item	Details
SSN or ITIN	A U.S. Social Security number or Individual Taxpayer Identification Number for knowledge-based authentication. If you don't have one, you may be given the option to verify using selfie photos compared to your photo ID.
Photo ID	A government-issued photo ID for credential analysis. Some documents have specific ID requirements — check the list of acceptable forms of ID if needed.
U.S. Address	A current or former U.S. address.
Device	A device with a camera and microphone for the live video session with your notary.

How It Works

1. Open Your Documents +

You'll receive an email from Proof with a link to your closing package. Select the link, create your Proof account when prompted, and review your documents. Select Sign Now to eSign the documents that don't require a notary before your meeting.

Closing package email with the Sign documents now button highlighted

You can review your documents during this stage, and depending on how your transaction is set up, you may be able to sign some of them now. Use the Next document button in the upper right to navigate between pages. When you reach the last document, select Continue.

Document review screen showing an eSign consent and disclosure form with a Next document button Final document in the review queue showing a Closing Disclosure with a Continue button

Select any screenshot to view it full-size.

2. Verify Your Identity +

To protect you against fraud, Proof will ask you to complete two identity checks before your meeting. First, you'll confirm your name, date of birth, and the last four digits of your SSN or ITIN, along with your current U.S. address.

Identity verification form asking for name, date of birth, and last four digits of SSN or ITIN Form to enter current U.S. residential address Prompt confirming whether the signer is currently physically located at the entered address

Select any screenshot to view it full-size.

Next, you'll answer a short set of knowledge-based questions generated from public records. These steps are required by law — Proof does not set these standards.

Knowledge-based authentication quiz start screen with a 2-minute time limit

After the quiz, you'll select your country and ID type, then use your phone to capture a clear photo of the front and back of your government-issued photo ID. The ID must show your photo, date of birth, and expiration date.

ID capture screen prompting the signer to select a country and government-issued ID type

Follow the on-screen prompts to line up your ID within the frame for each side. The system checks the image quality automatically before moving on.

3. Enable Your Camera and Microphone +

The platform will ask for access to your camera and microphone for the live video session. Make sure to allow this so you can connect with your notary without any delays. You can manually select your audio and video device directly beneath the video feed box.

Ready to meet screen with the camera, microphone, and speaker selectors beneath the video preview

4. Join the Notary Meeting +

Select Start meeting when prompted to connect with a notary. If your organization is using an in-house notary, your meeting time will be scheduled in advance. If not, an On-demand Notary from the Notarize Network will pick up your call.

Ready to meet screen with the Start meeting button

Once connected, your notary will walk you through reviewing and signing the remaining documents.

5. Complete the Notarization +

During the live video session, your notary reviews each document with you and notarizes it in real time.

Live video notary meeting showing a document being reviewed and signed

Once the meeting wraps up, you may be asked to pay for the transaction depending on your organization's settings. Some organizations cover the cost, so you won't always need to pay. If you're not sure, check with whoever sent you the documents. Proof accepts Google Pay, credit cards (Visa, Mastercard, and American Express), debit cards, and bank transfers.

6. Access Your Completed Documents +

Once payment is confirmed (if applicable), you'll receive an email with a link to your completed documents. You can also log in to your Proof account to download or share them at any time.

Notarization complete email with the View and share document button

Summary Checklist

Have your SSN or ITIN, government-issued photo ID, and a U.S. address ready.
Select the link in your Proof email and eSign any documents before the notary meeting.
Complete identity verification by answering knowledge-based questions and capturing a photo of your ID.
Allow camera and microphone access so you can connect with your notary.
Pay for the transaction if required, then download your completed documents.