Contract To Closing Checklist

Congrats! You’ve found the home of your dreams; it’s time to get you to the closing table. A lot needs to happen during the 30-45 days between a property going under contract and closing.

Here’s a breakdown of what you need to do and when:

Verify there's no other contract-related paperwork the lender may need from you to begin the approval process

Schedule a home inspection immediately

Pause any plans for major purchases that would involve changes to your credit

Stop all major credit card spending as soon as you are under contract

Three Weeks Before Closing:

An appraisal is ordered (this is usually done through your bank, but you'll need to pay for it upfront)

Title company begins the title search process to verify the properties title is free of encumbrances (This is something you can coordinate with your realtor to order through your title company of choice)

Confirm your plans to vacate your existing property and book any moving services necessary

Check-in with your mortgage lender on the process of you load approval

Two Weeks Before Closing:

Lock in your home insurance for your new home and verify the removal of home insurance from your existing property effective on your estimated closing date (if necessary)

Verify the transfer of your utility service to your new home effective on your estimated closing date (if necessary)

Check-in with your mortgage lender on the progress of your loan approval

One Week Before Closing:

Schedule a final walkthrough

Confirm you're clear to close with your lender

Confirm closing date and cash to close with your realtor

The Day of Closing Be Sure To Bring:

Photo ID's for anyone signing paperwork

Required certified checks

Download this Checklist