Florida Real Estate Closing Timeline

Most Florida residential resales use the FloridaRealtors/FloridaBar (“FAR/BAR”) contract, which drives the deadlines below. A typical financed Florida closing runs about 30–45 days; cash deals can close in as little as one to three weeks. The exact days depend on what the parties write into the contract’s blanks and riders.

Typical Florida milestones

• Effective date — when the last party signs and delivery is made; all deadlines count from here.
• Initial deposit — earnest money delivered to escrow, commonly within 3 days.
• Inspection Period — the FAR/BAR contract’s right-to-cancel window; the number of days is filled into the contract (often 10–15).
• Loan application — financed buyers apply within the days specified (often 5).
• Second deposit — if the contract calls for an additional deposit, on the stated date.
• Loan approval / financing period — buyer must obtain loan approval by the contract’s deadline.
• Title & survey review — buyer reviews title commitment and survey and raises objections within the stated period.
• Walk-through & closing — final inspection, then closing on the agreed date.

A few Florida-specific notes

• Time periods in the FAR/BAR contract are generally counted in calendar days, and a deadline landing on a Saturday, Sunday, or national legal holiday typically extends to the next business day.
• Homeowners and, where applicable, flood and windstorm insurance can take time to bind — start early, especially near the coast.
• HOA/condo approval and estoppel letters can add time in community-association properties.

This is a general overview of a common Florida flow, not legal advice about your transaction. The controlling dates are the ones written into your specific contract and riders — confirm them with your Florida real estate agent, real estate attorney, or title company.