How Long Does It Take to Buy a House in Florida? Timeline Breakdown for Kissimmee to Orange City
Buying a home in Florida is exciting—but it can also feel overwhelming, especially if you’re not sure how long the process takes. Whether you're looking to settle in Kissimmee, Orange City, Deltona, DeLand, or Lake Nona, knowing what to expect in your timeline can help you plan better and avoid surprises.
This guide from MainStreet Realty will walk you through the entire Florida home buying timeline, from start to finish.
Average Time It Takes to Buy a Home in Florida
Most homebuyers in Florida can expect the process to take 30 to 60 days after going under contract. But the full journey—from getting pre-approved to move-in—can take up to 3 to 6 months, especially for first-time buyers.
Step-by-Step Timeline for Buying a Home in Florida
Step 1 – Get Pre-Approved for a Mortgage (1 to 7 Days)
This is your first and most important step. Getting pre-approved shows sellers you're serious and gives you a clear idea of your budget. You’ll need to provide proof of income, employment, and a decent credit score (620+ for conventional loans, 580+ for FHA).
Step 2 – Start House Hunting (2 to 10 Weeks)
In areas like St. Cloud, Lake Nona, or Deltona, homes can go fast—especially in competitive markets. It usually takes 1–2 months to find the right property, though some buyers find their dream home faster.
Step 3 – Make an Offer and Negotiate (1 to 5 Days)
Once you find a home you love, your agent will help you submit an offer. If the seller counters, expect some back-and-forth negotiation.
Step 4 – Go Under Contract and Open Escrow (Day 0 of Closing Period)
After acceptance, you’ll officially go “under contract.” This kicks off the closing period, which usually takes 30 to 45 days in Florida.
What Happens During the Closing Period?
Home Inspection (5–10 Days After Contract)
Get a professional home inspection to check for issues like roof damage, plumbing leaks, or foundation cracks. In areas like Orange City or Lake Helen, older homes may require extra attention.
Appraisal and Loan Approval (2–3 Weeks)
Your lender will arrange a home appraisal to ensure the property’s value matches your loan amount. This is followed by a full loan underwriting process.
Final Walkthrough and Closing Day (Last 2–3 Days)
Before you sign the paperwork, you'll do a final walkthrough to make sure everything’s in the agreed condition. Then, you’ll close—signing documents, transferring funds, and finally getting your keys!
How to Speed Up the Home Buying Process in Florida
Get Pre-Approved Early
Start before you even look at homes.
Work with a Local Agent
An experienced local agent (like those at MainStreet Realty) can save you weeks of back-and-forth.
Be Responsive
The faster you respond to lender and seller requests, the faster things move.
Local Tip – What to Expect in Central Florida Cities
Each city has its own pace. Here's what you should know:
Kissimmee & Lake Nona: Competitive markets; be ready to act fast.
Deltona & Orange City: More affordable and great for first-time buyers.
DeLand & St. Cloud: Family-friendly and steady-paced markets.
FAQs About “How Long Does It Take to Buy a House in Florida?”
How long does it take to close on a house in Florida?
Most closings take 30 to 45 days after going under contract.
How long does it take to find a house to buy?
On average, it takes 2 to 10 weeks, depending on market conditions and inventory.
Can I speed up the process?
Yes—get pre-approved early, hire a great agent, and stay organized with your documents.
FAQs About MainStreet Realty
Who is MainStreet Realty?
We’re a local real estate team helping buyers and sellers in Deltona, DeLand, Lake Nona, Kissimmee, and more find the perfect home and close with confidence.
What services does MainStreet Realty offer?
We offer:
Buyer representation
Market analysis
Property search tools
Local expertise for Central Florida neighborhoods
Why choose MainStreet Realty?
Because we make real estate simple. From your first showing to the final walkthrough, we're with you every step of the way.
Final Thoughts: Buying a Home Doesn’t Have to Be Complicated
Whether you're looking in Kissimmee, Orange City, or anywhere in between, understanding the timeline to buy a house in Florida makes the process smoother. Let MainStreet Realty help you navigate every step—from pre-approval to keys in hand.
Email: [email protected]
Address: 2 Volusia Drive Debary, FL, 32713
Phone Number: Orlando: 407-789-0925 | Volusia: 386-259-2426 | Lake:352-729-1425
