No two closings are the same, but the timeline below will give you a general idea of what to expect and when.
| Activity | Typical Timeline |
| Contract to the Title Company and Lender | Effective date of the contract (the date the contract was signed by all parties) |
| Earnest Money Deposited | Within 3 calendar days of the effective date |
| Additional Earnest Money Deposited (if applicable) | Within 10 calendar days of the effective date |
| Mortgage Loan Application | Within 5 calendar days of effective date |
| HOA Application (if applicable) | Within 5 calendar days of effective date |
| Shop for Home Insurance | After loan application complete |
| Home Inspection | Per contract; “X” calendar days after effective date – ideal to be less than 10 days |
| Repairs Complete (if applicable) | ASAP (work with Buyer/Seller on timing depending on specific repairs needed) |
| Appraisal Ordered | After successful inspection |
| Title Insurance Commitment | 15 days prior to closing date if financed, 5 days if it’s a cash transaction |
| Financing Contingency Ends | Per Contract – usually 30 days |
| Loan Approval Received | Within 30 calendar days of effective date (If loan approval period is 30 days) |
| Loan Approval Communicated to Seller | Upon approval |
| Survey Ordered | 10 days before closing, after successful appraisal |
| Flood Zone/Elevation Certificate | Ordered with survey by Title Company if seller doesn’t have one and it’s required |
| Closing Scheduled | Coordinate with Buyer/Seller/Title/Lender – 7 days prior to closing |
| Fill out Applications for Utilities | 7 days before closing |
| Closing Disclosure | 3 days prior to closing (does not include Sundays or federal holidays; Saturday is included) |
| Walkthrough Complete | Day of closing |
| Closing | BIG DAY!!!! |
| Transfer Utilities | Day of Closing |