Can a question be closed after a correct answer has been selected? I was answering a question then I noticed a reply had a check mark, did I miss that or can it load after the page initially loads? Then when I went to submit my answer I was unable to because the question had been closed.
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Yes. Questions can be closed at any time. The Person asking the question decides whose answer to accept. The community decides whether the question belongs on the site.
And yes - if an existing answer is accepted while you're writing a new one, the checkmark will appear on it immediately. That doesn't mean you can't or shouldn't still answer though, if you think you can provide a better answer than the one that's accepted.