Once your offer is accepted, a clock starts — and Texas contracts run on deadlines. Here’s the typical contract-to-close timeline so you know what’s coming and when.
Step 1: Under contract + earnest money
You and the seller sign, and you deliver your earnest money to the title company (and the option fee to the seller, where applicable). The clock on your option period starts now. (Earnest money & option period explained.)
Step 2: The option period (do your due diligence)
This is your window to inspect the home and negotiate repairs or price — and to terminate for any reason if needed. Get your inspection scheduled immediately; the option period is short and deadline-driven.
Step 3: Appraisal and loan processing
If you’re financing, your lender orders the appraisal and works through underwriting — verifying your documents and the property’s value. Respond to lender requests fast; delays here are the most common cause of a late closing. (Be pre-approved before this stage.)
Step 4: Title work
The title company researches the property’s title and prepares to issue title insurance, clearing any issues so ownership can transfer cleanly.
Step 5: Closing Disclosure + final walkthrough
At least three business days before closing, you receive your Closing Disclosure with your exact cash to close. You’ll also do a final walkthrough to confirm the home’s condition.
Step 6: Closing day
You review and sign, your funds are wired (always verify wire instructions by phone — wire fraud is real), the loan funds, and the deal records. Then you get the keys.
How long does it all take?
A financed purchase often runs in the neighborhood of 30–45 days from contract to close, depending on the loan and how quickly everyone moves. Cash deals can be faster. Your contract sets the exact dates.
The biggest factor in a smooth close is staying ahead of the deadlines — which is a big part of what your agent and lender manage for you. Reach out and I’ll walk you through your specific timeline.
General educational information, not legal or lending advice. Timelines, forms, and deadlines vary by transaction and are governed by your contract. Confirm specifics with your agent, lender, and title company.