Iowa real estate contract deadlines
The default deadlines in Iowa's standard purchase contract, how each one is counted, the holidays that move them, and a free calculator.
Calculate your dates
Your contract's numbers
Change any number to match your contract. Blank uses the form's default.
Enter the acceptance date to see your deadlines.
Default deadlines
From the Iowa Association of REALTORS Iowa Offer to Purchase Real Estate (09/2024).
| Deadline | When it's due |
|---|---|
| Earnest money delivered (no later than 5 banking days) | The number of days in your contract, counted from acceptance |
| Inspection and notice of defects | The number of days in your contract, counted from acceptance |
| Final loan commitmentFinanced | The number of days in your contract, counted from closing |
| Proof of funds to seller (cash purchase)Cash | 3 days after acceptanceYour contract can change the number |
| Closing | Closing date |
Business days and holidays
Business days skip weekends and these Iowa holidays. A deadline counted in business days never lands on one.
2026
- New Year's DayThu, Jan 1
- Martin Luther King Jr. DayMon, Jan 19
- Iowa holidayThu, Feb 12
- Presidents' DayMon, Feb 16
- Memorial DayMon, May 25
- Independence DaySat, Jul 4
- Labor DayMon, Sep 7
- Veterans DayWed, Nov 11
- ThanksgivingThu, Nov 26
- Christmas DayFri, Dec 25
2027
- New Year's DayFri, Jan 1
- Martin Luther King Jr. DayMon, Jan 18
- Iowa holidayFri, Feb 12
- Presidents' DayMon, Feb 15
- Memorial DayMon, May 31
- Independence DaySun, Jul 4
- Labor DayMon, Sep 6
- Veterans DayThu, Nov 11
- ThanksgivingThu, Nov 25
- Christmas DaySat, Dec 25
Let Closima run these deadlines for you
Forward the signed contract. Closima reads it, sets every deadline, and you check and adjust them. Your first 3 transactions are free.
Start free →Nearby on the list
These are the printed defaults of the standard form. Your signed contract and its addenda control, and the numbers often change from deal to deal. Always check each date against your contract. This page is general information, not legal advice. Last updated October 2026.