Buying or selling a home? Then you know the waiting game doesn’t end once an offer is accepted. The closing process begins—and it can feel like an eternity. But how long does it actually take? And what can you do to keep things moving?
Let’s walk through the typical home closing timeline, the steps involved, and tips for speeding things up.
What Is the Standard Home Closing Timeline?
While it may vary by location and loan type, the standard home closing timeline usually falls between 30 and 60 days. But that window depends on many factors.
According to NerdWallet, this timeframe includes key steps like inspections, appraisals, underwriting, and legal reviews.
Average Closing Times by Loan Type
Recent data from ICE Mortgage Technology shows:
- Conventional loans: Average 47 days
- FHA loans: Average 47 days
- VA loans: Average 49 days
If you’re buying with cash? That timeline shrinks dramatically—sometimes under two weeks.
The Typical Closing Timeline: Week by Week
Here’s a week-by-week breakdown of what usually happens:
Week 1: Offer Accepted & Opening Escrow
- Buyer and seller agree on price and terms
- Escrow account is opened
- Earnest money deposit is made
- Initial disclosures are signed
Week 2: Inspections & Seller Disclosures
- Home inspection scheduled (can take 5 to 15 days, per Richr)
- Seller provides property disclosures
- Buyers may negotiate repairs or credits based on findings
Week 3: Appraisal Ordered & Completed
- Lender requests appraisal (typically takes 7 to 14 days)
- Appraiser visits the property and sends report to lender
- If appraisal comes in low, renegotiations or second appraisals may be needed
Week 4: Loan Underwriting
- Lender reviews financials, credit, and property details
- Conditional approval issued
- Additional documentation may be requested
Week 5–6: Final Steps & Closing
- Title search and legal review
- Final loan approval (clear to close)
- Final walkthrough
- Closing appointment scheduled
- Documents signed
- Keys exchanged!
Factors That Can Delay Closing
Some transactions wrap up quickly—others hit snags. Here’s what might hold things up:
- Financing issues: Missing paperwork or last-minute credit changes
- Appraisal problems: Low appraisals can lead to re-negotiation
- Title issues: Unresolved liens or disputes
- Inspection surprises: Major repair needs can stall things
- Scheduling conflicts: Delays in coordinating signings or walkthroughs
According to Freddie Mac, the average closing cycle time for purchase-only loans sits around 42 days—highlighting how small issues can add up.
Regional Differences in Closing Speed
Timing can also depend on where you live. Redfin reports that as of September 1, 2024, the national median time to close after an offer is accepted is 24.7 days.
States like California and Texas trend toward longer timelines, while others—like Colorado and Ohio—see quicker turnarounds. These variances reflect local market conditions and lender efficiency.
How to Avoid Closing Delays
Want to keep things moving? Here are some practical tips:
- Get pre-approved early: Pre-approval speeds up underwriting
- Respond quickly: Don’t delay sending documents or answering lender questions
- Hire a responsive agent: Someone proactive can prevent bottlenecks
- Schedule inspections ASAP: The sooner they’re done, the faster you move forward
- Review disclosures early: Ask questions right away
- Stay available: Make time for walkthroughs and signings
Final Thoughts: Keep the Countdown on Track
So, how long does it really take to close on a home?
Most buyers and sellers can expect anywhere from 30 to 60 days, depending on the type of loan, property condition, and regional norms. The standard home closing timeline is a helpful benchmark, but real-world results vary.
From home inspections to final walk-throughs, every step plays a role. But with preparation and a little hustle, you can avoid common delays and keep your move-in day on schedule.
For more tips on navigating the home closing process, visit Classic Home Services.