Last updated October 29, 2026
Most delayed closings trace back to a missing document, not a missing decision. This checklist covers the documents a typical residential sale involves. Your state, lender and contract may require more or fewer.
This guide is general information for real estate professionals, not legal advice. Deadlines, names and rules differ by state, contract form and what the parties negotiated. Your contract and your broker or attorney decide what applies.
| Document | Usually provided by |
|---|---|
| Signed purchase agreement, counter offers and addenda | Agents |
| Seller disclosures | Seller |
| Inspection report and any repair requests or agreements | Buyer's inspector, agents |
| Appraisal | Lender |
| Loan approval | Lender |
| Title commitment | Title or escrow company |
| Closing disclosure | Lender |
A listing agent and a buyer's agent need different things. The listing side tracks disclosures and payoff information. The buyer side tracks inspection, financing and the walkthrough. Keep a checklist for your own side so nothing on it belongs to someone else.
"Done" is not enough. Use at least these statuses:
The waived status matters. Without it, an item that does not apply looks like an item that is missing.
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