Every task from acceptance to recording — 38 of them, in order, each with the deadline rule it runs on. Built for the Kentucky REALTORS Real Estate Sale and Purchase Contract. Free, no email required.
State
Kentucky
30 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
38 tasks across 6 phases
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● Send executed contract to closing attorney + lender
Distribute the signed contract and addenda to the closing attorney, lender and listing agent.
Buyer's agent
1 day after the contract date
● Confirm Seller's Disclosure of Property Condition was received
KRS 324.360 requires it BEFORE the buyer makes an offer, not after acceptance. If it never arrived, that is worth raising now rather than at closing. New homes with a builder warranty, auctions and court-supervised foreclosures are exempt.
Buyer's agent
2 days after the contract date
● Open file with closing attorney
Kentucky closings are conducted by an attorney, who also handles the title examination and deed.
Title / escrow
2 business days after the contract date
● Deliver earnest money to broker
KAR ¶3: held by the named broker, not an escrow company. A dispute is distributed under KRS rather than by the parties.
Buyer
On the earnest money due date
Confirm earnest money received
Buyer's agent
1 business day after the earnest money due date
● Buyer applies for the mortgage
KAR ¶2: apply within the stated number of BUSINESS days from acceptance and use best efforts to obtain approval.
Buyer
5 business days after the contract date
● Schedule inspections
Buyer's agent
5 days before the inspection deadline
● Complete inspections + review reports
Inspector
2 days before the inspection deadline
● Inspection Period ends
KAR ¶5: the buyer's window to conduct inspections. This is NOT the deadline to walk away — see the rescission task below.
Buyer
On the inspection deadline
● Rescission deadline (after the Inspection Period)
The second clock. KAR ¶5 lets the buyer rescind at any time prior to the stated number of days FOLLOWING the Inspection Period. Miss it and the right to walk on the inspection is gone, whatever the report said. If the buyer asks for repairs instead, the seller may agree or rescind.
Buyer's agent
3 days after the inspection deadline
Order termite inspection
KAR ¶5 names it explicitly and asks which party pays.
Buyer's agent
21 days before closing
Lender orders appraisal
Lender
7 days after the contract date
● Appraisal received + reviewed
Appraiser
On the appraisal deadline
● Loan commitment deadline
KAR ¶2: if a written loan commitment is not obtained by this date the contract terminates — the form does not require anyone to give notice first.
Lender
On the loan contingency deadline
● Confirm clear to close from lender
Lender
3 business days before closing
Title commitment / prelim received
Title company issues the commitment / preliminary report.
Title / escrow
7 business days after the contract date
Request HOA documents + dues figures
Buyer's agent
10 days after the contract date
● Attorney title examination + commitment
Title must be marketable — if it is not, the earnest money is returned under ¶3.
Title / escrow
14 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
Order home warranty
Buyer's agent
7 days before closing
CPL issued to lender
Closing Protection Letter issued to the lender.
Title / escrow
5 business days before closing
Bind homeowner's insurance
Buyer
5 days before closing
Confirm closing figures with the attorney
KAR ¶10: time is of the essence on the closing date.
Title / escrow
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
● Closing — sign + fund
Title / escrow
On closing
Funded (wire received & confirmed)
Funds wired and confirmed received by escrow.
Title / escrow
On closing
Confirm deed recorded
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.
These are real statutory deadlines and they change. If something here is wrong or out of date, we'd genuinely rather hear it.
Not in Kentucky?
30 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
Email
Stop re-typing this on every file
Upload your executed contract and ClosingDay builds this checklist for the file — dates already calculated, and every one of them re-shifts when the closing date moves. It reads the contract, so nothing gets typed twice.
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.