Step 21: Do the Final Walkthrough

Visit the home just before closing to confirm its condition, agreed repairs and included items.

The final walkthrough is your last look at the home before you own it, usually within 24 to 48 hours of closing. It's not another inspection; it confirms the home is in the condition the contract promised.

Walkthrough checklist

• Agreed repairs are done, with receipts
• No new damage from the move-out
• Included appliances and fixtures are still there and work
• Heat, air conditioning, water heater and plumbing work
• Lights, outlets, garage doors and locks work
• No leaks, water stains or pests
• The home is empty of the seller's belongings, unless agreed otherwise
• Keys, remotes and codes are available

If something is wrong

Tell escrow and the listing agent before you sign. Options include a credit at closing, money held back in escrow until a repair is done, or, for serious problems, delaying closing. Don't sign hoping it will be fixed later.

Next: closing day.

Your next move, by loan program

• Conventional: If a repair isn't finished, ask escrow about a holdback or credit rather than delaying closing. Track my closing
• FHA: FHA-required repairs must be completed before closing. A holdback usually isn't allowed for them. Track my closing
• VA: VA-required repairs must be done before closing, though some lenders allow escrow holdbacks for weather-related items. Track my closing
• USDA: USDA allows escrow holdbacks only for certain weather-related exterior items. Other repairs must be done first. Track my closing
• Jumbo: For larger homes, allow extra time to test every system, including pools and outbuildings. Track my closing
• Investor: If tenants are staying, confirm unit condition, keys and the security deposit transfer. Track my closing