How long does it usually take to close on a house in the Charleston, SC area?

For most deals in Charleston, you're looking at 30 to 45 days from the time the contract is signed to when you get the keys. Some can move quicker, especially if it’s a cash deal — others might take a little longer depending on inspections, financing, or title work.  Let's dig a little deeper....

Why This Question Comes Up So Often

We hear it all the time from clients:
“Once we’re under contract, how long will it take to close?”

And it makes total sense. Timing your closing matters because:

• You might be coordinating movers, lease end dates, or out-of-state travel

• You may need the proceeds from your current home to buy your next one

• Your interest rate lock might be on a countdown

That’s why having a realistic idea of how long it’ll take — and knowing what could impact that timeline — makes the whole process a lot less stressful.

What’s the Normal Closing Timeline Around Here?

If you're buying or selling in Charleston, once you’re under contract, closing typically takes about 4 to 6 weeks. That’s the standard for most residential transactions in our market — and honestly, it’s what we see most often with our clients as well.

Here’s what’s happening during that time:

• Home inspections

• Appraisal (if there’s a loan involved)

• Mortgage underwriting

• Title search and closing prep

Each of these steps takes a little time — and they all need to line up for the deal to close smoothly.

Cash vs. Financing: What Changes the Timeline?

Not every sale follows the same path, and how you're paying for the home makes a big difference:

• If there’s a mortgage involved, expect to land in that 30–45 day window. That gives the lender time to do everything they need — from verifying income to ordering the appraisal and final loan approval.

• If you’re paying cash, things can move much faster. We’ve seen cash deals close in as little as 10 to 14 days — assuming there aren’t any title issues or inspection delays.

• On the flip side, some closings take closer to 45 to 60 days. That usually happens when:

  • There are larger repairs that take time to schedule and be completed

  • Underwriting takes longer than expected

  • There are surprises in the title search

A Few Tips to Keep Things Moving

While some delays are out of your control, there are a few ways to help your closing stay on track:

• Get pre-approved before you even start house hunting

• Act quickly when it’s time to schedule inspections

• Work with a responsive local lender

• Send documents promptly when your agent, lender or attorney asks

• And most importantly — work with an experienced real estate team (hey 👋) to guide you through it all

Final Thoughts

So, how long does it take to close on a house in Charleston?
Plan for 30 to 45 days — that’s the sweet spot for most transactions. Cash buyers may close faster, and some deals may take a bit longer, but with the right prep and guidance, you’ll be ready for whatever timeline you’re working with.

Let’s Chat About Your Move

Whether you’re buying, selling, or just figuring out next steps, we’re here to help. At Lauren Zurilla & Associates, we’ll walk you through the entire process — from contract to close — so you feel confident every step of the way.

Reach out to schedule your buyer or seller consultation today!

Warmly,

Lauren, Tina and Gigi | Lauren Zurilla & Associates