📄 Paperwork directory
A directory of the official forms, disclosures, and consumer resources you'll encounter when selling or buying a home without an agent. Pick your state to find the authoritative sources for your area — all links go straight to the official publisher.
👋 Pick your state above to see your state's official real estate forms
Federal documents (which apply nationwide) are shown below. Selecting your state adds your state real estate commission as a one-click resource — that's where the actual purchase agreements, disclosure forms, and consumer guides for your state live.
Before listing
Lead-Based Paint Disclosure
Federal requirement when selling any home built before 1978. Must be given to the buyer before they sign a purchase agreement.
⏱ 5 minutes
Fair Housing Act — what you can and cannot say
Federal law prohibits discriminatory advertising and decisions in every home sale. Applies to FSBO sellers too — even when you're not using an agent.
⏱ 10 minutes to read
Seller's Property Disclosure Statement
Almost every state requires home sellers to disclose known material defects. The form is different in every state but the concept and your obligations are similar.
⏱ 45-60 minutes
When an offer comes in
Before closing
Closing Disclosure (CD)
The 5-page document that itemizes every dollar of a financed home purchase. Required by federal law for any loan covered by TRID.
⏱ 30 minutes to review
Title Insurance — what it is and why both parties need it
Two policies (owner's and lender's) that protect against title defects discovered after closing. Required by virtually every lender; optional but highly recommended for cash buyers.
⏱ 15 minutes to read
📌 Informational only — not legal advice.
Frula Homes is an informational platform. We point you to official sources for the documents involved in real estate transactions — we don't prepare, review, or interpret legal documents, and we're not your attorney or real estate agent. For questions about your specific situation, consult a licensed attorney or qualified real estate professional in your state.