What Really Happens After You Go Under Contract in Maryland

You’ve found the house, your offer was accepted, and now you’re under contract. Cue the excitement… and the questions.

Many Maryland buyers think the hard part is over once a seller accepts their offer, but in reality, the real work starts now. From inspections to appraisals and financing, this phase is where deals move smoothly to closing or fall apart.

Let’s break down exactly what happens after you go under contract on a house in Maryland so you can stay one step ahead.

1. The Clock Starts: Understanding the Maryland Home Closing Timeline

Once the seller accepts your offer and both parties sign the contract, the countdown begins. Most closings in Maryland take about 30 to 45 days, depending on your financing and contingencies.

Here’s a quick overview of what happens during that time:

• Earnest Money Deposit: You’ll typically submit your deposit within a few days of going under contract. It’s held in escrow and applied toward your closing costs or down payment.

• Scheduling the Home Inspection: This usually happens within the first week. It’s your chance to uncover potential repairs or hidden issues.

• Loan Process: Your lender orders the appraisal and finalizes underwriting.

If you’re buying in Anne Arundel, Howard, or Carroll County, local lenders and inspectors tend to move quickly, but always stay in touch with your agent to keep things on track.

2. The Home Inspection: Your Opportunity to Dig Deeper

The inspection is one of the most important steps in the under contract process in Maryland. A licensed inspector will evaluate the property’s systems, structure, and safety  from the roof to the foundation.

Common Maryland inspection findings include:

• Aging HVAC systems (especially in older Baltimore homes)

• Minor roof repairs

• Drainage or moisture concerns in basements

After the inspection, you can:

• Request repairs or credits

• Renegotiate the price

• Accept the home as-is

Your Teal Clise Group agent will guide you through this negotiation so you protect your investment while keeping the deal alive.

3. The Appraisal and Loan Finalization

If you’re financing your home, your lender will order an appraisal to confirm that the property’s value supports the loan amount.

If the appraisal matches or exceeds the purchase price, great news. You move forward.
 If it comes in low, you’ll have options:

• Renegotiate with the seller

• Bring additional funds to closing

• Or, in some cases, challenge the appraisal

In competitive areas like Baltimore County or Howard County, appraisals can make or break a deal, which is why working with a proactive agent and responsive lender matters.

4. Title Work, Insurance, and Final Walkthrough

While your loan is being finalized, your title company verifies ownership records to ensure there are no liens or claims on the property. You’ll also secure homeowner’s insurance (your lender will require proof before closing).

A few days before settlement, you’ll do a final walkthrough to confirm the property’s condition matches what was agreed upon. It’s your last chance to make sure everything is move-in ready — lights on, systems working, no surprises.

5. Closing Day: The Finish Line

On closing day, you’ll sign your loan documents, review your settlement statement, and officially become a Maryland homeowner.

Closings often take place at the title company, and once the funds are disbursed, you’ll receive the keys. Congratulations! you’ve made it!

Pro tip: Keep your closing documents in a safe place. You’ll need them for future tax filings, refinancing, or resale.

Local Insight: Maryland Market Realities

Every county has its quirks.

• Anne Arundel County: Waterfront homes often require additional inspections (like septic or well).

• Howard County: Highly competitive, so deadlines move fast.

• Carroll and Harford Counties: More rural properties can mean unique contingencies.

• Baltimore City: Title searches and property taxes can take a bit longer.

Your agent’s local expertise can make these transitions smoother and help you anticipate what’s next.

The Bottom Line

Going under contract is a huge milestone, but it’s not the end of your journey.  It’s the bridge between offer and ownership. With the right guidance, each step can be managed smoothly and confidently.

At The Teal Clise Group, we’ve helped hundreds of Maryland buyers navigate this process with ease. Whether you’re in Baltimore County, Howard, or Anne Arundel, our team will keep you informed, protected, and one step ahead from contract to closing.

📞 Ready to start your Maryland home journey? Contact The Teal Clise Group today for a no-pressure consultation and expert guidance every step of the way.