How long does it take to close once I’m under contract?

From offer accepted to keys in hand, here's what to expect (and what slows things down).

Author

Mike Ugarte
October 28, 2025 • Estimated Reading Time: 2 minutes

Why This Question Matters

You’ve found the one, your offer’s been accepted… now what?

This is the part of the process that can feel like hurry up and wait, especially for first-time buyers. Understanding the typical timeline (and what can delay it) helps you stay ahead of surprises, protect your money, and plan your move like a pro.

What’s a Normal Timeline?

In Pembroke Pines and across most of South Florida, the typical closing timeline once you're under contract is 30 to 45 days.

Here’s what’s happening during that time:

  • Days 1–3: Deposit + Escrow opens
    You’ll wire your escrow deposit (a few thousand bucks in most cases) and sign initial documents.

  • Days 5–10: Inspection Period
    This is your time to hire a home inspector, negotiate repairs (or back out), and review any disclosures.

  • Days 10–20: Appraisal & Title Work
    Your lender orders the appraisal and the title company starts checking for liens, violations, etc.

  • Days 20–30: Final Loan Approval
    Underwriting reviews all your docs and clears you for closing. You’ll get your Closing Disclosure around this time.

  • Days 30–45: Closing Day
    You wire the rest of your down payment, sign the stack of papers, and get your keys.

    What Can Slow Things Down?

  • Financing delays: Incomplete docs or surprise credit issues can trip up underwriting.

  • Appraisal issues: If the value comes in low, you may need to renegotiate.

  • Title problems: Liens, open permits, or boundary disputes can delay closing by days or weeks.

  • HOA approval: Some associations drag their feet or require interviews. Always apply ASAP.

What I’d Tell a Friend

If you’re paying cash and buying a clean property (no HOA, no liens), you could close in 10 days.

But if you’re financing, especially with an FHA or VA loan, budget for the full 45.

The key is to stay responsive and have a team that communicates. Your lender, agent, and title company should all be working like air traffic control.

Don’t go quiet once you’re under contract as this is when the real work starts.