How Long the Home Buying Process Usually Takes

One of the most common questions buyers and sellers ask is how long the process actually takes. While every transaction is different, there are typical timelines that can help set expectations from offer through to closing.

This article outlines the general timing of each stage so buyers and sellers can plan with more clarity.

From offer to acceptance

Once an offer is submitted, the timeline depends on how quickly the seller responds and whether negotiations occur.

This stage often takes:
• A few hours to a few days
• Longer if multiple offers or counters are involved

Once both parties sign the agreement, the transaction officially begins.

The conditional period

If an offer includes conditions, the agreement enters a conditional period. This allows the buyer time to complete due diligence.

Conditional periods commonly last:
• 3–5 business days for financing or inspection
• Up to 10 business days for condominium document review

During this time, buyers work with lenders, inspectors, and lawyers. If conditions are satisfied and waived, the agreement becomes firm.

From firm agreement to closing

Once a deal is firm, the remaining time is used to prepare for closing. This includes legal work, financing finalization, and logistical planning.

In many cases, this stage lasts:
• 30–60 days
• Sometimes shorter or longer depending on circumstances

Closing dates are agreed upon at the time the offer is accepted.

What happens during the closing preparation period

Between firm agreement and closing, several things happen behind the scenes.

Buyers typically:
• Finalize mortgage documents
• Secure home insurance
• Review the Statement of Adjustments
• Arrange utilities and address changes

Sellers typically:
• Coordinate mortgage discharge if applicable
• Prepare required documents with their lawyer
• Plan their move

Most of this work is handled with professional guidance, but timelines still matter.

Closing day

On closing day, funds are transferred through the lawyers involved and the transaction is registered. Once registration is complete and funds are received, ownership transfers and keys are released according to the agreement.

While buyers often expect keys early in the day, release timing can vary depending on when registration is completed.

How timelines differ for certain situations

Some transactions require additional time.

Examples include:
• New construction purchases with delayed occupancy
• Estate sales or power of sale properties
• Transactions involving tenants or investment properties
• Long or complex conditional periods

These situations benefit from early planning and clear expectations.

Planning ahead

While timelines vary, understanding the typical flow from offer to closing helps buyers and sellers plan financing, moving arrangements, and life transitions more smoothly.

Final thoughts

The home buying process follows a general timeline, but flexibility and preparation are important. Knowing what to expect at each stage helps reduce uncertainty and allows decisions to be made with confidence rather than pressure.

If you’re buying and want to understand how timelines fit into your planning, see our Buyers page.

If you’re selling and want clarity around timing and next steps, visit our Sellers page.