Every task from acceptance to recording — 35 of them, in order, each with the deadline rule it runs on. Built for the AAR Residential Resale Real Estate Purchase Contract. Free, no email required.
State
Arizona
26 states live — each one built on that state's own contract and deadline rules, not a renamed copy of this one.
Put your closing date in and get the real dates
Most checklists tell you "3 days before closing" and leave you to count. This one counts — business days, federal holidays, and the observed weekday when a holiday lands on a weekend.
Contract date
mm/dd/yyyy
Closing date
mm/dd/yyyy
35 tasks across 6 phases
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● Send executed contract to escrow + lender
Distribute the executed AAR contract + addenda to the escrow/title company, lender, and listing agent within 24 hours of acceptance.
Buyer's agent
1 day after the contract date
● Open escrow with title company
Confirm escrow is opened and an escrow number issued.
Title / escrow
2 business days after the contract date
● Deliver earnest money to escrow
AAR: buyer delivers earnest money to the escrow company shortly after acceptance.
Buyer
On the earnest money due date
Confirm earnest money received
Title / escrow
1 business day after the earnest money due date
Deliver Loan Status Update (LSU)
AAR §2: buyer delivers the Loan Status Update (typically within 10 days of acceptance) confirming loan application + pre-qualification progress.
Lender
10 days after the contract date
● Schedule inspection (within inspection period)
Order inspections early in the 10-day Inspection Period so there is time to prepare the BINSR.
Buyer's agent
4 days before the inspection deadline
● Complete inspection + review report
Inspector
2 days before the inspection deadline
Review SPDS (Seller's Property Disclosure)
Review the SPDS the seller provides; deliver any follow-up before the inspection period closes.
Buyer's agent
1 day before the inspection deadline
● Deliver BINSR before inspection period ends
AAR §6: deliver the Buyer's Inspection Notice and Seller's Response (BINSR) with any repair requests before the Inspection Period expires.
Buyer's agent
On the inspection deadline
Lender orders appraisal
Lender
7 days after the contract date
● Appraisal received + reviewed
Appraiser
On the appraisal deadline
● Loan contingency / approval deadline
Confirm final loan approval; act before the loan contingency runs out to protect earnest money.
Lender
On the loan contingency deadline
● Confirm clear to close from lender
Lender
3 business days before closing
Receive + review title commitment
Review the title commitment for liens, easements, and CC&Rs.
Title / escrow
5 days after the contract date
Title commitment / prelim received
Title company issues the commitment / preliminary report.
Title / escrow
7 business days after the contract date
Obtain HOA disclosures + transfer docs
A.R.S. §33-1806/§33-1260: order the HOA/condo resale disclosure + governing docs and confirm transfer fees.
Listing agent
10 days after the contract date
Title review complete (Schedule B exceptions cleared)
Review the commitment; clear or resolve Schedule B exceptions.
Title / escrow
12 business days after the contract date
Payoffs / HOA demand received
Loan payoff(s) and HOA demand/estoppel received by escrow.
Title / escrow
7 business days before closing
CPL issued to lender
Closing Protection Letter issued to the lender.
Title / escrow
5 business days before closing
Order home warranty
Buyer's agent
5 days before closing
Bind homeowner's insurance
Bind insurance effective the close-of-escrow date; confirm the lender's requirements.
Buyer
5 days before closing
● Review Closing Disclosure (3-day rule)
Lender
3 business days before closing
Closing statement prepared & balanced
CD (financed) or ALTA settlement statement (cash) prepared and balanced.
Title / escrow
4 business days before closing
Clear to close received
Lender issues clear-to-close.
Lender
3 business days before closing
CD delivered (TRID 3-day clock started)
Closing Disclosure delivered to buyer — starts the TRID 3-business-day clock.
Title / escrow
3 business days before closing
Signing scheduled (notary / RON / in-office)
Closing appointment scheduled.
Title / escrow
2 business days before closing
● Final walk-through
Buyer's agent
1 day before closing
● Close of escrow — sign + fund
Title / escrow
On closing
Funded (wire received & confirmed)
Funds wired and confirmed received by escrow.
Title / escrow
On closing
Confirm recording
Title / escrow
1 business day after closing
Recorded (county confirmation)
Deed / mortgage recorded — county e-recording confirmation received.
Title / escrow
1 business day after closing
Deliver keys + possession
Buyer's agent
1 day after closing
Send closing documents to buyer
Buyer's agent
2 days after closing
Disbursed / policy issued / file closed
Proceeds disbursed, title policy issued, escrow file closed.
26 states are live — pick yours from the State list at the top of the page, or the links just above. Somewhere else? Tell us which state you work in and we'll email you when its checklist is up. No other email, and you can unsubscribe from the first one.
Your state
Your state
Email
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This checklist is a working aid, not legal advice, and deadlines on your file are governed by your contract. Check every date against the executed agreement.