by Sheila Cox, Five Star Realtor | Updated October 2025
One thing I’ve found as a real estate agent: most people need help with their home buying timeline. So my recommendations are listed below.
Home Buying Timeline for a Resale Home
Start with a Deadline. That’s the date you absolutely have to be out of your current home/apartment. This Deadline may be the end of a lease or a move-out date for an existing home that you are selling.
Begin Search. You should begin your search approximately 2.5 to 3 months before your deadline. Keep in mind that most home owners will want you to Close within 5-6 weeks of executing a contract because that’s the typical time it takes for a lender to process your loan. It may take several weeks before you find a home and get an accepted contract. Some people start their search even earlier, to have more cushion, but they must be prepared to Close early and pay two house payments until the end of their current lease or move out date on current home. (Actually, you don’t usually begin paying a new mortgage for at least one month after Closing. So if you Close in the middle of June, your first house payment may not be until August 1.)
Deadline for Executed Contract. You must be “under contract” on your new home at least 6 weeks before your deadline but 8 weeks is preferred. Again…this is to allow time for your lender to process the loan (usually 5-6 weeks). You should allow a 2 week gap between Closing on your new home and moving out of your current home in order to give yourself time to pack, move, and clean. NEVER plan to Close and move out on the same day. Closings don’t always happen on time, as scheduled. There can be delays caused by the lender. You do not want your belongings on a moving van before you have a definite place to put them!
Recommended Close Date. You should Close on your new home about 2 weeks before your Deadline to move out of your existing home. However, this will need to be negotiated with the Seller of the new home. If they have already vacated the property, they will want a quick/short Closing date. If they are still living in the home, they may want a longer date before Closing or they may want a Temporary Lease to live in the home, after Closing, to have time to pack and move.
Home Buying Timeline for a New Construction Home
This timeline is for purchasing a resale home. If you are buying new construction (home being built from “dirt”) then it will take 5-6 months or more. Keep in mind that there are sometimes material shortages and supply-chain issues, and some home builders have delays. Rainy weather can also delay a Closing date for new construction homes.
Buying & Selling Real Estate Is a Huge Investment
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Sheila is the author of KatyHomesForSaleTX.com – so you know that she knows the area! Winner of Five Star award every year since 2010.
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REALTORS DON’T “JUST” SELL HOUSES Real estate agents don’t “just” sell houses; we sell a SERVICE to effectively guide home buyers and sellers through the entire real estate transaction, which usually takes several months. We are more like real estate consultants than we are salespeople. That’s probably why 88 percent of all home buyers and sellers choose to hire a real estate agent when buying or selling a home! Buying or selling a home is not like buying or selling a TV, a computer, or a car. You can’t buy/sell a home on the Internet with a couple of clicks. There are MANY legal aspects, deadlines, and requirements that most people are not trained to handle. What’s more…mistakes along the way can cost you thousands and even hundreds of thousands of dollars. The financial risk is much greater than just about anything else you may buy.
Please read the list of my value-added services for home buyers |
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