Alex, here’s your path to closing

Every deadline

What each one takes. Tap a deadline for what it means.

1. Tue, Oct 27 · passed · YouEarnest money dueIt is what makes your offer serious.Received · confirmed by your agent

   • Send the earnest moneyDone
   • Brokerage confirms it arrivedDone

   What it is

   It is what makes your offer serious. The seller has taken the house off the market for you, and this is what they hold while they do.

   What happens

   Send it the way your agent tells you. Wire fraud in property purchases is common and expensive — confirm the account details by phone, with a number you already had, before you send anything.

   What's at risk

   Missing this is a breach of the contract on day four, before anything else has happened.

   Four days after acceptance, as your contract sets it. Due by 5:00 PM Mountain Time on Tuesday, October 27.

   Ask your agent about this
2. Fri, Oct 30 · passed · The sellerSeller disclosures due to youThis is the first real information you get that did not come from a listing.

   • Seller’s disclosures arriveThe seller must deliver them by this date.Add the document →
   • Read the disclosuresDone · ticked by you or someone buying with you
     Undo

   What it is

   This is the first real information you get that did not come from a listing. Your time to read it runs against the next deadline, not this one.

   What happens

   Nothing is required of you today, but read them as soon as they arrive. Your agent will flag anything that changes the picture.

   What's at risk

   Nothing is at risk for you on this date. It is the seller who owes it.

   Read from §4(a) of your purchase contract and confirmed by your agent. Due by 5:00 PM Mountain Time on Friday, October 30.

   Ask your agent about this
3. Mon, Nov 9 · in 3 days · YouDue diligence deadline2 of 5 done$6,000 at risk after this

   What it is

   This is the one that matters most. Everything you learn from the inspection, the disclosures and the HOA documents has to be decided on by this date.

   What happens

   Have the inspection done and read, and tell your agent before this date if anything about it worries you. Booking an inspector late is the single most common way this deadline gets missed.

   What's at risk

   After this date, walking away over what the inspection found puts your $6,000 at risk.

   Read from §4(b) of your purchase contract and confirmed by your agent. Due by 5:00 PM Mountain Time on Monday, November 9.

   Ask your agent about this

   • Home inspectionDone · the document is in
   • Specialist inspectionsSewer scope, radon, roof or structural, if the inspector recommends them.
     Mark done
   • Homeowner’s insurance quoteDone · ticked by you or someone buying with you
     Undo
   • HOA papers, if there is an HOAFees, rules and any special assessments.
     Mark done
   • Decide with your agentAsk the seller to fix things, cancel, or go ahead — before 5 PM on the deadline.
     Mark done
4. Thu, Nov 12 · in 6 days · Your lenderAppraisal deadlineA lender will not lend against more than the house is worth.0 of 2 done$6,000 at risk after this

   • Lender orders the appraisalYour lender arranges it; ask them it’s ordered.
     Mark done
   • Appraisal comes backIf it’s lower than the price, talk to your agent before the deadline.Add the document →
     Mark done

   What it is

   A lender will not lend against more than the house is worth. If the valuation is short, you either make up the difference in cash, renegotiate, or leave.

   What happens

   Your lender arranges this. Ask your agent where it stands if you have not heard by a week before.

   What's at risk

   If the valuation is low and this date passes without you acting, your $6,000 is at risk.

   Read from §4(c) of your purchase contract and confirmed by your agent. Due by 5:00 PM Mountain Time on Thursday, November 12.

   Ask your agent about this
5. Tue, Nov 17 · in 11 days · Your lenderFinancing deadlineBeing pre-approved is not the same as being funded.0 of 3 done$6,000 at risk after this

   • Send your lender everything they ask forPay stubs, statements, explanations: delays here delay closing.
     Mark done
   • Lock your rateAsk your lender when, and for how long.
     Mark done
   • Final loan approvalYour lender confirms the loan, with no conditions left.
     Mark done

   What it is

   Being pre-approved is not the same as being funded. Approval can still fail on the appraisal, on the property, or on a change in your own circumstances.

   What happens

   Give your lender whatever they ask for, the day they ask. Do not open new credit, change jobs, or move large sums between accounts before closing.

   What's at risk

   After this date, a loan that falls through no longer lets you cancel for free — your $6,000 is at risk.

   Read from §4(d) of your purchase contract and confirmed by your agent. Due by 5:00 PM Mountain Time on Tuesday, November 17.

   Ask your agent about this
6. Tue, Nov 24 · YouSettlement: the house is yoursEverything before this was arranging it.0 of 4 done$6,000 at risk after this

   • Final walkthroughCheck agreed repairs were done and nothing has changed.
     Mark done
   • Call title to verify wiring instructionsUse a number you already had, never one in an email. Wire fraud targets closings.
     Mark done
   • Sign at the title companyBring photo ID. Your agent tells you where and when.
     Mark done
   • KeysThe house is yours once it records.
     Mark done

   What it is

   Everything before this was arranging it. This is the day it happens.

   What happens

   Bring photo identification and send your funds in advance, by wire, confirmed by phone. Do a final walk-through first — your agent will arrange it.

   What's at risk

   Failing to close without a contractual reason puts your $6,000 at risk and can expose you to more than that on a $612,000 purchase.

   Read from §4(e) of your purchase contract and confirmed by your agent. Due by 5:00 PM Mountain Time on Tuesday, November 24.

   Ask your agent about this