Every task from acceptance to recording — 34 of them, in order, each with the deadline rule it runs on. Built for the NCAR/NCBA Form 2-T Offer to Purchase and Contract. Free, no email required.
State
North Carolina
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
34 tasks across 6 phases
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● Send executed contract to closing attorney + lender
Buyer's agent
1 day after the contract date
● Open file with closing attorney
North Carolina is an attorney-closing state — the closing attorney handles title search + settlement.
Title / escrow
2 business days after the contract date
● Deliver Due Diligence Fee + Earnest Money
Form 2-T: the Due Diligence Fee is paid to the seller and the Earnest Money Deposit to the escrow agent — both are at risk after the Due Diligence Date.
Buyer
On the earnest money due date
Buyer applies for financing
Buyer
3 days after the contract date
Confirm earnest money received
Buyer's agent
1 business day after the earnest money due date
● Schedule inspection
Buyer's agent
7 days before the inspection deadline
● Complete inspection + review report
Inspector
4 days before the inspection deadline
Review Residential Property & Owners' Association Disclosure
NC G.S. 47E disclosure statement.
Buyer's agent
3 days before the inspection deadline
● Due Diligence Date — terminate or proceed (5:00 PM)
Form 2-T: the buyer may terminate for ANY reason until 5:00 PM on the Due Diligence Date. After this the Earnest Money is at risk.
Buyer
On the inspection deadline
Appraisal received + reviewed
Appraiser
3 days before the inspection deadline
● Loan + appraisal cleared before Due Diligence Date
Form 2-T has no separate financing/appraisal contingency — financing must be satisfied during Due Diligence.
Lender
2 days before the inspection 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
Title search + review
Title / escrow
10 days after the contract date
Review HOA / owners' association documents
Buyer's agent
2 days before the inspection deadline
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
● Settlement — sign + fund (attorney)
Form 2-T Settlement Date; closing occurs when the deed + deed of trust are recorded.
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.
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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.