Wiring Money from Turkey to Florida and Closing Remotely: Step by Step

Nisa Esmer, Florida licensed REALTOR® · October 2026

Short answer: Payment is usually a wire from your bank to the title (escrow) company's account. The two most important rules: start early, and always verify bank details by phone using a number you already know. Buying without visiting and signing from abroad is often possible; the title company and lender decide which documents they accept.

The two things buyers abroad get stuck on most are how to send the money and how to sign documents from another country. This guide walks through both. Because rules and timelines depend on your bank, lender, and title company, I give the general framework rather than firm promises.

How do you send the money?

Payment is usually a wire transfer in US dollars to the title or escrow company's account. The money does not go straight to the seller; it is held by a neutral third party until closing.
A wire can take a few business days, and intermediary banks may take fees. Ask your bank and the title company ahead of time so the full amount arrives.
Ask your bank and your accountant about transfer limits, required documents, and any tax consequences in Turkey.
Compare the amount you send with the figures on the Closing Disclosure you receive before closing.

Timing of earnest money and down payment

After your offer is accepted, the earnest money is deposited within the short period stated in the contract. The down payment and other closing costs are paid before closing. Find these dates in the contract and start the transfer early, since international wires carry a delay risk.

Source-of-funds documents

The title company or lender may ask for documents showing where your funds came from, as part of anti-money-laundering rules. Having bank statements or records such as a sale or inheritance ready in advance speeds things up. The title company will tell you what is required during the transaction.

Watch out for wire fraud

Emails near closing that say "our bank details have changed" may be fraud. Fake emails can look like they come from a real title company or real estate agent.

Always verify bank details by calling the title company at a phone number you found yourself or already knew. Do not trust the number in an email.
Confirm the account name and number again before sending funds.
If you get a suspicious email, send nothing and let me or the title company know.

How do you sign from abroad?

Buyers abroad have several options for signing closing documents. Which one is used depends on the document, the lender, and the title company:

Signing with a mobile notary or remote online notarization arranged by the title company.
Signing at a US consulate or an authorized notary in your country, with an apostille if needed.
Documents sent by courier, signed, and returned.

The title company decides which method it will accept, so ask at the offer stage rather than close to closing.

Closing with a power of attorney

In some cases an agent (power of attorney) can sign for you. The title company and lender must accept it, and preparing the document is legal work. If you are considering this, consult an attorney and the title company early.

Account for the time difference

The time difference between Turkey and Florida is 7 or 8 hours depending on the season. Plan signing appointments, bank transactions, and calls accordingly.

My role in the process

I show homes by video tour, track the offer and contract dates, and coordinate communication with the title company and lender. For legal, tax, and banking matters I refer you to the right professionals.

Frequently asked questions

Can I buy a home without seeing it in person?

Often yes. The process can be run remotely with video tours, digital signing, and notary or consulate approval. See the guide to buying from Turkey for more.

When is the earnest money paid?

Within the period stated in the contract, usually a short time after your offer is accepted. The contract sets the date.

What if money goes to the wrong account?

A wire may not be recoverable. That is why it is so important to verify account details by phone and confirm before sending.

Related guides

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This article is for general information only and is not legal, tax, lending, or insurance advice. Rules, rates, and timelines can change. Before you decide, speak with a loan officer, title company, attorney, or CPA. Nisa Esmer, Florida-licensed REALTOR® (License No. SL3665986), Elite Choice Home Group, Future Home Realty Inc.