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The Minnesota contract-to-close checklist
Every task from acceptance to recording — 36 of them, in order, each with the deadline rule it runs on. Built for the Minnesota Realtors Purchase Agreement. Free, no email required.
State
Minnesota
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
Closing date
36 tasks across 6 phases
Collapse all
Send executed purchase 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 earnest money
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 Property Disclosure
MN Stat §513.52 et seq seller disclosure (or statutory waiver).
Buyer's agent
1 day before the inspection deadline
Confirm Well Disclosure Certificate
MN Stat §103I.235 requires a well disclosure at sale (or a statement that there is no well).
Buyer's agent
1 day before the inspection deadline
Inspection contingency deadline (resolve/cancel)
Buyer
On the inspection deadline
Lender orders appraisal
Lender
7 days after the contract date
Appraisal received + reviewed
Appraiser
On the appraisal deadline
Financing contingency deadline
Lender
On the loan contingency deadline
Confirm clear to close from lender
Lender
3 business days before closing
Receive + review title commitment
Title / escrow
7 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
Review HOA / common interest community docs
MN Stat §515B (MCIOA) resale disclosure for common interest communities.
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
Not in Minnesota?
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
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.
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