Is this normal? Our closing date slipped

Your contract sets the closing date, and several steps have to finish first. Here's what to check, and who to ask.

Updated Oct 9, 2026 · 1-min read

What has to finish first

Your contract sets the closing date. In between come the earnest money deposit, the inspection, the appraisal, final loan approval, the Closing Disclosure (at least 3 business days before closing) and a final walkthrough. Rule^1,2

Purchase loans closed in 36.8 days on average in March 2026, counted from the application, in ICE's data. Known³

Where closings get held up

Documents. Slow document replies can push your closing and put your rate lock or deposit at risk. Known^3,4

Appraisal. Appraisal report: usually 5–20 business days after the lender orders the appraisal. Estimate^5,6

Closing Disclosure. Ask your lender when it will be sent, so the 3-day wait doesn't push your closing. Rule^7,8

Protect your rate lock and deadlines

A lock holds your rate until a set date, as long as your application doesn't change. Locks are typically offered for 30, 45 or 60 days; pick one that covers your closing date. Known⁹

Your financing contingency protects your deposit only until its deadline; after that the risk is yours. If approval is running late, ask your agent about a written extension before the deadline. Rule^{10,11,12,13,14,15,16}

When to call a professional

Your lender. Ask: What happens if my closing is delayed and the lock expires? Known⁹

Your agent or attorney, before any deadline passes. If approval is running late, ask your agent about a written extension before the deadline. Rule^{10,11,12,13,14,15,16}

Your closing agent. Ask: Who will conduct my closing, and where and when is it? Known¹⁷

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