Most financed home purchases close in 30 to 60 days. Cash buyers move faster — often 7 to 14 days. But loan type, state, and how prepared your file is at the start all shift that window significantly.
What moves the number:
Your situation
Most closings fall into one of four patterns. Find the one closest to yours.
First-Time Buyer
40–52 days
A fully documented purchase with W-2 income closes closer to 30 days when you're pre-approved and docs are in hand. FHA adds a week or two for government underwriting overlay and property condition requirements.
VA / Military Buyer
45–60 days
VA loans require a VA-approved appraiser and a dedicated appraisal process. In active markets, that queue alone can add 7–14 days over a conventional loan. Have your Certificate of Eligibility ordered before going under contract.
Cash Buyer
7–14 days
Cash closings are gated only by the title search (5–10 days), any negotiated inspection periods, and FinCEN identity verification. You can close in under a week if every party is ready and the title is clean.
Jumbo Buyer
48–65 days
Jumbo loans sit outside Fannie/Freddie guidelines, requiring more manual underwriting, additional documentation rounds, and sometimes a second appraisal. Build in a generous buffer — particularly in high-value coastal markets.
At a glance
Typical ranges based on loan type, buying state, and documentation readiness.
| Loan Type | State / Market | Doc Readiness | Typical Range |
|---|---|---|---|
| Conventional | Ohio / Indiana | All docs ready | 28–35 days |
| Conventional | Ohio / Indiana | 1–2 items missing | 38–46 days |
| FHA | Ohio / Midwest | All docs ready | 36–46 days |
| FHA | Florida / Texas | 1–2 items missing | 46–57 days |
| VA | Any state | COE ready, all docs | 43–54 days |
| VA | Any state | COE not yet obtained | 56–70 days |
| USDA | Rural eligible area | All docs ready | 60–75 days |
| Jumbo | California / New York | Complex income docs | 56–70 days |
| Cash | Any state | Funds verified | 7–14 days |
Estimates reflect 2024–2025 industry averages. Not a commitment to lend or guarantee of closing time. Actual timelines vary by lender, market, and file complexity.
Try it
Select your loan type, state, and document readiness for a personalized range.
28–40 days
This tool provides educational estimates only and is not a commitment to lend or a guarantee of closing time.
The process
Each stage has a typical duration — and a specific way it can stall.
1–3 days
Once under contract, the lender submits the full application. Credit is pulled, income documents are collected, and initial underwriting begins. Being pre-approved before writing an offer compresses this stage significantly.
5–14 days
The lender orders a licensed appraisal to confirm market value. Conventional appraisals are often desktop or drive-by. VA and FHA add property condition requirements — certain defects trigger mandatory repairs before closing.
5–15 days
The underwriter reviews your credit, income, assets, appraisal, and title — then issues a decision with any conditions. How fast you respond to conditions is the single biggest thing you control in this stage.
5–10 days
The title company researches the property's ownership history to confirm there are no liens, judgments, or cloud on title. In attorney states — NY, FL, GA, SC, and others — a real estate attorney handles this rather than a title company.
1–3 days
Federal anti-money-laundering rules require title companies to verify all parties before disbursement. Most individuals clear this in hours; entity buyers and international buyers may take longer.
1–3 days after CTC
Once all conditions are met, the lender issues a Clear to Close. The Closing Disclosure is delivered — required by law at least 3 business days before signing. You wire funds, sign documents, deed records, and keys exchange.
Where you're buying
State law, attorney requirements, and local market conditions all affect how fast you can get to the table.
35–42 days
Title company state. Strong inventory of licensed closers and an efficient county recording process.
Our home market32–40 days
Title company state. Among the fastest closing markets in the Midwest.
Fast market36–44 days
Title company state. Metro Detroit appraisals can be tight during spring buying season.
Moderate38–50 days
Attorney state — a real estate attorney is required at closing, adding scheduling complexity.
Attorney state30–40 days
Title company state with high closing volume and an efficient market.
Fast market42–55 days
Attorney state. Condo purchases add HOA approval steps that can add weeks.
Attorney state44–55 days
Title company state, but high values and complex income profiles slow underwriting.
Longer avg.60–90+ days
Attorney state. Co-op board approvals can add weeks to months on top of standard lender timelines.
Slowest avg.Buying in Ohio? Our familiarity with Ohio's county recording process, local title companies, and regional appraisers means we often close straightforward conventional files in 28–35 days — well below the national average of 43 days.
Common questions
From our team
"Files that close fast share one thing: the borrower was ready before they found the house. Documents gathered, employer contacts in hand, bank statements printed. The ones that slow down almost always hit a documentation wall in week two."
Keshabi Acharya
Senior Loan Officer, Intra-Mortgage — Licensed in OH, PA, TXAt Intra, every loan officer walks clients through a closing-readiness checklist before they write an offer. It's one of the simplest things we do — and the biggest time-saver once you're under contract.
The delays Keshabi sees most:
Our loan officers give you a straight answer on what's in your way — and what's not. No cost, no obligation.