The next 30 days will move fast. Between lender paperwork, inspections, packing, and logistics, it can feel overwhelming. This guide breaks the escrow period into manageable weekly steps to help buyers stay on track and minimize stress.
1. Week One – Get Organized
Lender Documentation The lender will request several documents: bank statements, pay stubs, and explanations for deposits or withdrawals. Respond as quickly as possible—ideally the same day. Delays in providing paperwork can delay closing.
Review Closing Costs Take time to review the Loan Estimate and understand the listed fees: appraisal, title insurance, escrow, and origination fees. If any charges seem unusual, ask for clarification early, not the day before closing.
Book Movers Early Reputable moving companies book quickly. Start comparing quotes immediately and confirm dates well in advance. Professional movers may cost more, but they save time, stress, and potential damage to furniture or vehicles.
Budget for Unexpected Costs Moving nearly always costs more than planned. Add at least 30% to the initial budget for movers, boxes, cleaning, deposits, and small repairs.
2. Week Two – Reality Check
Schedule a Home Inspection Every home should be inspected, even new builds. Attend the inspection, take notes, and prioritize issues. Major concerns like roofing or foundation problems should be addressed before closing. Minor issues can often wait.
Start Decluttering Begin sorting belongings into three categories: keep, donate, and discard. This is the time to downsize and simplify. Fewer boxes now means less work later. Measure large furniture pieces to ensure they fit in the new space.
3. Week Three – The Logistics Sprint
Confirm the Closing Date By this point, the closing date should be firm. Closing appointments involve extensive signing and typically take one to two hours. Plan accordingly and avoid scheduling during work hours.
Begin Packing Gather more boxes than expected. Start with items not used daily and label boxes clearly—include contents and room location. Clear labeling saves time and frustration when unpacking.
Update Your Address Create a list of all institutions and services that need your new address: banks, employers, insurance providers, subscriptions, the DMV, and voter registration. Update a few each day to stay ahead.
Set Up Utilities and Internet Contact electric, gas, water, and internet providers at least two weeks before the move. Internet installation often requires additional time. Avoid arriving at a new home without power—or Wi-Fi.
4. Week Four – The Final Countdown
Review the Closing Disclosure Three days before closing, review the Closing Disclosure carefully and compare it to the Loan Estimate. Report any significant differences immediately to the lender or agent.
Conduct the Final Walkthrough Complete a walkthrough 24–48 hours before closing. Confirm that repairs were completed, appliances remain, and the property is in expected condition. Notify the agent immediately if anything is missing or damaged.
Confirm With Movers Double-check move details—time, addresses, cost, and parking or elevator access. Some buildings require elevator reservations or permits for moving trucks.
Pack a “First-Night” Kit Keep essentials with you, not on the moving truck. Include toiletries, chargers, medications, documents, basic tools, snacks, and pet supplies.
5. Closing Day and Moving
What to Bring Bring a valid ID, cashier’s check or wire confirmation, proof of homeowners insurance, and any documents requested by the lender. The signing typically takes one to two hours. Review everything carefully before signing.
Moving Day Tips If possible, schedule the move a day or two after closing to avoid complications if paperwork is delayed. Be present to answer movers’ questions and inspect furniture and boxes as they arrive. Document any damage immediately.
6. Your First Week in the New Home
Day-One Priorities
Change all locks.
Locate the water shutoff valve.
Test smoke detectors and replace batteries.
Check heating and air conditioning systems.
Administrative Tasks Update your address with the DMV, voter registration, and USPS (mail forwarding can be set up online for $1).
Meet the Neighbors Introduce yourself to nearby residents. They often know useful local details—trash schedules, service providers, and community updates.
Unpack Strategically Focus first on essential spaces: kitchen, bedroom, and bathroom. Other rooms can wait. Set realistic goals—unpacking takes time.
7. Things Few People Mention
Hire professionals whenever possible—movers, cleaners, and technicians.
Keep important documents (IDs, passports, closing papers) with you.
Take photos before unpacking to document existing damage.
The first night will feel strange—excitement and exhaustion are normal.
8. Realistic Expectations
The escrow period can be stressful, and it’s normal to feel overwhelmed. Millions of homeowners go through the same process every year and come out the other side just fine. Staying organized and proactive makes all the difference.
Within a few weeks, the new home will begin to feel like your home. Take a deep breath—this is the start of something incredible.
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