Closing on Your New Construction Home
Closing on new construction differs from resale homes. Your builder controls the timeline, and final inspections are required. Understanding the process helps you prepare financially and logistically for move-in day.
Pre-Closing Steps
Your lender orders a final inspection of the completed home, verifying it matches the approved plans. You conduct a blue tape walkthrough 5-7 days before closing. Your title company arranges final walk-through and closing appointment.
At the Closing Table
You'll sign final loan documents, verify the final numbers match your estimate, and pay any final costs. The title company hands over keys after all documents are signed and funds transfer. You become the legal owner once documents record.
After Closing
You receive home manuals, warranty documents, and builder contact information. Your warranty clock starts. Document your home's condition with photos. Schedule builder walk-throughs to complete warranty items within required timeframes.
Timeline Expectations
From contract to closing typically takes 45-90 days depending on loan approval and final inspections. Your builder provides a target close date but maintains flexibility. Finalize all details with your loan officer at least 2 weeks before closing.
