Every task from acceptance to recording — 37 of them, in order, each with the deadline rule it runs on. Built for the Mississippi REALTORS Form F1 — Contract for the Sale and Purchase of Real Estate. Free, no email required.
State
Mississippi
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 contract to closing attorney + lender
Distribute the executed Form F1 and all addenda to the closing attorney or title company, the lender and the listing agent. Note the Effective Date — the inspection and loan-application clocks both run from it, in BUSINESS days.
Buyer's agent
1 day after the contract date
● Open file with closing attorney / title company
Confirm the closer has the contract, has opened the file and has started the title examination.
Title / escrow
2 business days after the contract date
● Deliver earnest money to broker/trustee
Paragraph 4: earnest money is held by the named Broker/Trustee. If the parties later disagree about who is entitled to it, the Broker/Trustee interpleads the funds — and the costs of that come out of the 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 makes loan application (5 business days)
Form F1: within FIVE BUSINESS DAYS after the Effective Date the buyer must apply in proper form. Failing to apply on time lets the Seller void the contract or treat it as a breach — this is one of the few dates in the form with a stated consequence attached.
Buyer
5 business days after the contract date
● Review Property Condition Disclosure Statement
Miss. Code §89-1-501 et seq. On the MREC-promulgated form, which may not be personalized. Due before the contract is executed. If it or a material amendment arrives AFTER execution, the buyer may terminate within 3 days of in-person delivery or 5 days if mailed — check HOW it was delivered before you calculate the date.
Buyer's agent
3 days after the contract date
● Schedule home inspection
Form F1 requires a Mississippi licensed and bonded inspector. Seller must provide unlimited access and have all utilities on for the scheduled date.
Buyer's agent
5 days before the inspection deadline
● Complete inspection + review report
Inspector
2 days before the inspection deadline
● Submit repair list with report excerpts (10 business days)
The inspection window and the response window are the SAME ten business days from the Effective Date. Within it the buyer must submit the repair list accompanied by the relevant portions of the inspection report, or the contingency is waived and the deal proceeds to closing. The parties then have the contract's stated number of business days to resolve the list, failing which the contract terminates and the earnest money is returned.
Buyer's agent
On the inspection deadline
Order Wood Destroying Insect Report (WDIR)
Form F1: for FHA/VA, the WDIR must be dated within 30 calendar days before Closing and issued by a licensed, bonded termite company.
Buyer's agent
21 days before closing
Lender orders appraisal
Lender
7 days after the contract date
● Appraisal received + reviewed
Form F1 paragraph 5(C): if applicable, the property must appraise at or above the purchase price or the buyer is not obligated to complete the purchase and the earnest money is refunded — unless the buyer failed to secure a timely appraisal in good faith.
Appraiser
On the appraisal deadline
● Loan approval deadline
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
Mississippi has no statutory HOA resale-package deadline, so the association sets the pace. Order early.
Buyer's agent
10 days after the contract date
● Title examination + review commitment
Title must be good, marketable and insurable. If defects are curable by legal action, closing extends for a reasonable period not to exceed 30 days — build that into the schedule rather than discovering it the week of closing.
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
Bind homeowner's insurance
Coastal Mississippi files often need windstorm and flood coverage quoted separately — start earlier than you would inland.
Buyer
10 days before closing
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
Confirm closing figures with closing attorney
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
Form F1 paragraph 5(E): the buyer keeps this right regardless of which inspection election was made.
Buyer's agent
1 day before closing
● Closing — sign + fund
Closing is delivery of the deed and payment of the purchase price, no later than 11:59 pm on the Closing Date.
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.
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.