The contract sets the schedule. Common steps include delivery of the earnest money, inspections, financing and appraisal, title review, insurance arrangements, a final walkthrough, document signing, and the agreed transfer of possession.
Treat deadlines as a shared calendar
Know who is responsible for each task and who needs to receive notices. Keep your lender informed about changes in employment, funds, or the contract, and ask before making major new credit commitments.
- Confirm deposit instructions with the closing company.
- Complete inspections within the agreed period.
- Review title documents and outstanding requirements.
- Arrange insurance and utilities for the proper dates.
Review the final numbers and instructions
For covered mortgages, the lender provides a Closing Disclosure in advance of closing. Compare it with earlier estimates and ask about differences. Verify wire instructions by calling the closing company at a number you independently know.
Your questions, answered.
Do I get the keys when I sign?
Possession follows the contract and closing arrangements. Signing, funding, and possession may not happen at the same moment.
What if closing is delayed?
Contact your agent, lender, and closing company promptly. Any extension or change should follow the contract and be documented appropriately.
General information, reviewed September 2026. Confirm property-specific, legal, lending, and tax questions with the appropriate professional.