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Tennessee real estate contract deadlines

The default deadlines in Tennessee's standard purchase contract, how each one is counted, the holidays that move them, and a free calculator.

Built from the published standard contract.Not yet checked by a Tennessee TC. Check each date against your contract. Work with this contract every day? Help us check it and get 25 free transactions.

Calculate your dates

Acceptance date Closing date Financing

Your contract's numbers

Change any number to match your contract. Blank uses the form's default.

Earnest money due days, no defaultInspection period days, no defaultResolution Period days, no defaultFinal inspection (days before closing) days, no defaultProof of funds (cash purchase) days, form default 5Response to a low appraisal days, form default 3

Enter the acceptance date to see your deadlines.

Some deadlines count from when a document arrives (like the seller's disclosures). Closima starts those when you file the document.

Default deadlines

From the Tennessee REALTORS Purchase and Sale Agreement, RF401 (01/01/2026).

Deadline	When it's due
Earnest money	The number of days in your contract, counted from acceptanceMoves to the next business day if it lands on a weekend or holiday
Loan application and credit report fee paidFinanced	3 days after acceptanceMoves to the next business day if it lands on a weekend or holiday
Insurance, intent to proceed, appraisal orderedFinanced	14 days after acceptanceMoves to the next business day if it lands on a weekend or holiday
Inspection period ends	The number of days in your contract, counted from acceptanceMoves to the next business day if it lands on a weekend or holiday
Appraisal ordered (if the appraisal contingency is checked)Financed	5 days after acceptanceMoves to the next business day if it lands on a weekend or holiday
Resolution Period ends	The number of days in your contract, counted from the Repair/Replacement Proposal was receivedMoves to the next business day if it lands on a weekend or holiday
Final inspection window opens	The number of days in your contract, counted from closing
Proof of funds to seller (cash purchase)Cash	5 days after acceptanceMoves to the next business day if it lands on a weekend or holidayYour contract can change the number
Buyer's response if the appraisal is low	3 days after the appraisal arrivedMoves to the next business day if it lands on a weekend or holidayYour contract can change the number
Closing	Closing date

Business days and holidays

Business days skip weekends and these Tennessee 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
Presidents' DayMon, Feb 16
Memorial DayMon, May 25
JuneteenthFri, Jun 19
Independence Day (observed)Fri, Jul 3
Labor DayMon, Sep 7
Columbus DayMon, Oct 12
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
Presidents' DayMon, Feb 15
Memorial DayMon, May 31
Juneteenth (observed)Fri, Jun 18
Independence Day (observed)Mon, Jul 5
Labor DayMon, Sep 6
Columbus DayMon, Oct 11
Veterans DayThu, Nov 11
ThanksgivingThu, Nov 25
Christmas Day (observed)Fri, Dec 24

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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.