Every task from acceptance to recording — 37 of them, in order, each with the deadline rule it runs on. Built for the Michigan REALTORS Buy and Sell Agreement. Free, no email required.
State
Michigan
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
37 tasks across 6 phases
Collapse all
● Send executed Buy and Sell Agreement to title + lender
Buyer's agent
1 day after the contract date
● Open title / closing file
Title / escrow
2 business days after the contract date
● Deliver good-faith (earnest) deposit
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 financing
Buyer
5 days after the contract date
● Schedule inspection
Buyer's agent
4 days before the inspection deadline
● Complete inspection + review report
Inspector
2 days before the inspection deadline
Review Seller's Disclosure Statement
Michigan Seller Disclosure Act (MCL 565.951 et seq.) — review the statement and any right-to-terminate window.
Buyer's agent
1 day before the inspection deadline
Confirm well & septic evaluation (if county requires)
Many Michigan counties run a point-of-sale / time-of-sale well & septic evaluation program. Confirm whether one applies and order it; mark N/A if not.
Title company issues the commitment / preliminary report.
Title / escrow
7 business days after the contract date
Review condominium / HOA documents
Michigan Condominium Act (MCL 559) resale materials and/or HOA governing documents and budget.
Buyer's 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
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
● Closing — 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.
Title / escrow
2 business days after closing
Request online review from buyer
Buyer's agent
3 days after closing
File Property Transfer Affidavit (L-4260) + Principal Residence Exemption
Buyer files the Property Transfer Affidavit (Form L-4260) with the local assessor within 45 days of transfer (MCL 211.27a/27b); owner-occupants also file the Principal Residence Exemption (Form 2368).
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.
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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.