Your Year-End Escrow Checklist: Finish 2025 with Zero Loose Ends

Introduction
December can be one of the trickiest months for real estate closings. Holiday schedules slow down response times, lenders and inspectors take time off, and buyers and sellers shift their focus to family and travel. For Realtors, staying organized and proactive is the key to keeping deals moving.
This year-end escrow checklist helps you button up final details so you enter January with fewer surprises—and happier clients.

1. Review All Open Contingencies
Outstanding inspections, insurance approvals, or property-related repairs tend to stall during the holidays.
Prosper Tip: Push for early contingency removals and confirm all third-party appointments before mid-December.

2. Confirm Funding Timelines with Lenders
Lenders often have reduced staff and slower underwriting during the last two weeks of the year.
Prosper Tip: Request written funding timelines to avoid last-minute delays.

3. Verify Insurance Is Bound
Wildfire-zone underwriting continues to cause unexpected delays in CA.
Prosper Tip: Have buyers shop for insurance immediately after offer acceptance—not late in the process.

4. Double-Check Title and Vesting
Any discrepancies in ownership, names, or documentation take longer to correct in December.
Prosper Tip: Work with a fast-moving title team that resolves issues early.

5. Prep Your Clients for Holiday Scheduling
Closings feel slower in December—but communication can keep things moving.
Prosper Tip: Set expectations early around travel schedules and response times.

Conclusion
A well-managed December escrow sets you up for a strong January. With just a few proactive steps, you can keep your deals on track—even amid the holiday slowdown.