Closing a real estate deal in Chicago? Don’t overlook the Full Payment Certificate (FPC). This critical document verifies that all water and sewer charges are paid in full and is required for any property transfer in the city. Whether you're a real estate investor, attorney, or title company, understanding the FPC process is essential to avoiding costly delays.

A Full Payment Certificate (FPC) is issued by the City of Chicago's Department of Finance. It confirms that all outstanding water and sewer bills have been paid or appropriately addressed. Without this certificate, you cannot obtain transfer tax stamps or record the deed with the Cook County Recorder.

An FPC is required for all property transfers in Chicago—even exempt ones. It ensures the city that no unpaid utility charges are passed along with the property. Without it, both the seller and buyer could be held liable for any outstanding balances. In short, it protects all parties and keeps the closing process on track.

The process can hit snags due to city backlogs, especially after holidays or system outages. Additional field inspections or final meter readings may also delay issuance. It’s best to begin the process at least 2–3 weeks before your closing date to avoid last-minute issues.

Why Choose Chicago FPC Service

• Speed & Accuracy: Our experienced team ensures your application is correctly filed the first time.
• Flat Fee: Only $60—no hidden charges.
• Fully Managed: We handle the entire process, from filing to monitoring to final delivery.
• Convenient: Simply upload your documents, and we take care of the rest.