Every task from acceptance to recording — 37 of them, in order, each with the deadline rule it runs on. Built for the TREC One to Four Family Residential Contract (Resale). Free, no email required.
State
Texas
34 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
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● Send executed contract to title and lender
Distribute the executed TREC contract + all addenda to the title company, lender, and listing agent within 24 hours of the Effective Date.
Buyer's agent
1 day after the contract date
● Open title / escrow (confirm GF number)
Confirm the title company has received the contract and opened the file (GF number issued).
Title / escrow
2 business days after the contract date
● Deliver earnest money + option fee
TREC ¶5: buyer delivers earnest money and the option fee to the title company within 3 days of the Effective Date. CALENDAR days — but unlike every other deadline in this contract, if the THIRD DAY lands on a weekend or legal holiday it extends to the next business day. Weekend or holiday days falling on days 1 and 2 do NOT extend it; only the landing day counts.
Buyer
contract date
On the earnest money due date
Buyer applies for financing
Third Party Financing Addendum: buyer makes loan application and authorizes credit. Apply promptly so approval lands before the closing date.
Buyer
3 days after the contract date
Confirm earnest money + option fee receipted
Confirm the title company has receipted both the earnest money and the option fee.
Title / escrow
1 business day after the earnest money due date
● Schedule inspection (within option period)
Order the general inspection early in the option period so there is time to negotiate repairs before it ends.
Buyer's agent
4 days before the inspection deadline
● Complete inspection + review report
Inspection completed and report reviewed with the buyer.
Inspector
2 days before the inspection deadline
● Negotiate repairs (amendment) before option ends
If repairs are needed, submit a TREC Amendment and reach agreement BEFORE the option period expires — the buyer's unrestricted termination right ends with it.
Buyer's agent
1 day before the inspection deadline
● Option period ends (termination deadline)
TREC ¶23: last day the buyer can terminate for any reason. After this the earnest money is at risk on most terminations.
Buyer
contract date
On the inspection deadline
Lender orders appraisal
Confirm the lender has ordered the appraisal so it lands before the financing/closing deadlines.
Lender
7 days after the contract date
● Appraisal received + reviewed
Appraisal received; if it comes in low, address via the Appraisal Addendum or renegotiate before the financing deadline.
Third Party Financing Addendum: last day the buyer may terminate if financing approval cannot be obtained. Confirm approval or act before this date.
Lender
contract date
On the loan contingency deadline
● Confirm clear to close from lender
Lender confirms final underwriting approval (clear to close).
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
Obtain HOA resale certificate / subdivision info
Addendum for Property Subject to Mandatory Membership in a POA: order the resale certificate + governing docs and review before closing.
Listing 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
Receive + review title commitment
TREC ¶6A: title company delivers the commitment + exception documents (typically within 20 days). Review for liens, easements, and restrictions.
Title / escrow
20 days after the contract date
Obtain / review survey
TREC ¶6C: confirm whether the seller delivers an existing survey or a new one is ordered; review for encroachments.
Buyer's agent
20 days after the contract date
Buyer objections to title / survey
TREC ¶6D: deliver any written objections to title or survey items within the contract window.
Buyer's agent
25 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
Contract calls for a residential service (home warranty) contract — order it and confirm it is in place by closing.
Buyer's agent
5 days before closing
● Review Closing Disclosure (3-day rule)
Confirm the buyer received the Closing Disclosure at least 3 business days before closing (TRID) and review figures.
Lender
contract date
3 business days before closing
Confirm utilities + insurance in place
Buyer sets up utilities transfer and binds homeowner's insurance effective the closing date.
Buyer
3 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
Walk the property to confirm condition + agreed repairs the day before (or morning of) closing.
Buyer's agent
1 day before closing
● Closing — sign + fund
Buyer signs at the title company; loan funds; deed records.
Title / escrow
contract date
On closing
Funded (wire received & confirmed)
Funds wired and confirmed received by escrow.
Title / escrow
contract date
On closing
Confirm funding + recording
Confirm the transaction funded and the deed recorded with the county.
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
Coordinate key handoff per the contract (at closing/funding unless a temporary lease applies).
Buyer's agent
1 day after closing
Send closing documents to buyer
Deliver the buyer's closing package + receipts for their records.
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
Send a personal note asking the buyer to leave a review on Google / Zillow / your brokerage site.
Buyer's agent
3 days after closing
contract date
marks a deadline the Texas contract itself sets — those dates are not ours to move. Everything else is the working cadence we suggest around them, so you can shift it to suit how you run a file.
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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 Texas?
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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.