Closing on a house typically takes between 30 and 60 days from the time your offer is accepted to when you officially take ownership. The average time to close is around 43 to 44 days, depending on the type of mortgage and other factors

Key steps during the closing period include:

• Home inspections (general and specialized)
• Home appraisal ordered by the lender
• Title search and purchase of title insurance
• Final mortgage underwriting and approval
• Purchase of home insurance coverage
• Setting up utilities in your name
• Final walk-through of the property before closing

Factors influencing closing time:

• Loan type: Conventional loans close in about 43 days, FHA loans around 44 days, and VA loans take longer, averaging 53 days

• Market conditions and seasonality can affect timing.
• Delays can occur due to appraisal issues, financing problems, title disputes, or inspection findings

Closing day itself:

The actual closing appointment, where paperwork is signed and funds exchanged, usually takes 1 to 2 hours

Faster closing options:

• Cash purchases can close much faster, sometimes within days, as they avoid mortgage processing delays

In summary, expect about 1 to 2 months to close on a house with a mortgage, with some variation depending on loan type and potential issues during the process