Florida Realtors/Florida Bar · Rev. 2/26
FAR/BAR contract deadline calculator
The short answer
Enter the Effective Date and the Closing Date, and the calculator dates every deadline in the FAR/BAR contract, standard or “AS IS”, the way Standard F counts them: calendar days, starting the day after, with a deadline that lands on a weekend or a federal holiday moved to the next day that is neither. Leave a blank empty and it uses the form’s default.
Work out the dates
Weekends and federal holidays applied, under Standard F13 deadlines · “AS IS” form, financed
Closing Mon, Nov 30, 2026
45 days after the Effective Date, Fri, Oct 16, 2026
13 deadlines, closing Mon, Nov 30, 2026
- A title objection on its last day would leave the seller a cure period ending Wed, Dec 23, 2026, after the Closing Date. A defect cured after the Closing Date closes within 10 days of the seller’s notice (Standard A(ii)).
October 2026
Initial deposit to the escrow agent ¶2(a)
Buyer 3 days after the Effective Date.
Apply for the loan ¶8(b)(i)
Buyer 5 days after the Effective Date.
Copies of the seller’s owner’s policy and any survey ¶9(c), ¶9(d)
Seller 5 days after the Effective Date.
Additional deposit ¶2(b)
Buyer 10 days after the Effective Date.
November 2026
Inspection Period ¶12(a)
Buyer 15 days after the Effective Date. Moved from Sat, Oct 31, 2026, a weekend, under Standard F.
Cancel over flood zone, elevation or flood insurance ¶10(d)
Buyer 20 days after the Effective Date.
Loan Approval Period, ending in a written notice ¶8(b)
Buyer 30 days after the Effective Date. Moved from Sun, Nov 15, 2026, a weekend, under Standard F.
Title commitment to the buyer (the “Title Evidence Deadline”) ¶9(c)
Closing agent 15 days before the Closing Date. Moved from Sun, Nov 15, 2026, a weekend, under Standard F.
Seller may cancel after a Loan Approval Period with no notice ¶8(b)(v)
Seller 3 days after the Loan Approval Period ends. Only if the buyer sends no loan notice before the period ends.
Buyer’s written title objections Standard A(ii)
Buyer 5 days after receiving the commitment. Moved from Sat, Nov 21, 2026, a weekend, under Standard F. If the commitment arrives on the Title Evidence Deadline.
Buyer’s survey ¶9(d)
Buyer 5 days before the Closing Date.
Walk-through ¶12(e)
Buyer The day before closing, or closing day.
Closing ¶4
December 2026
Seller’s “Cure Period” for title defects Standard A(ii)
Seller 30 days after the buyer’s objections. Only if the buyer objects, and does so on the last day allowed.
How it counts
- Calendar days, where the property is located (Standard F), with day 1 the day after the date counted from.
- A weekend or federal holiday moves the deadline to the next day that is neither. The holidays are the eleven in 5 U.S.C. § 6103(a), plus the Friday or Monday one is observed when it falls on a weekend.
- Dates counted back from closing, the title commitment, the survey and the permits, are counted from the Closing Date after it has moved, if it moved.
- A deadline that runs from an event (the commitment arriving, the buyer’s objections, the inspection notice) is dated as if the event happens on its own last day, and the row says so. If it happens sooner, so does the deadline.
What each deadline is for, and what the form says follows a miss, is on the FAR/BAR contract page, with every paragraph and Standard a line each.
The federal holidays that move a deadline
2026 and 2027
| Holiday | Observed |
|---|---|
| New Year’s Day | Thu, Jan 1, 2026 |
| Birthday of Martin Luther King, Jr. | Mon, Jan 19, 2026 |
| Washington’s Birthday | Mon, Feb 16, 2026 |
| Memorial Day | Mon, May 25, 2026 |
| Juneteenth National Independence Day | Fri, Jun 19, 2026 |
| Independence Day | Fri, Jul 3, 2026 (falls Sat, Jul 4, 2026) |
| Labor Day | Mon, Sep 7, 2026 |
| Columbus Day | Mon, Oct 12, 2026 |
| Veterans Day | Wed, Nov 11, 2026 |
| Thanksgiving Day | Thu, Nov 26, 2026 |
| Christmas Day | Fri, Dec 25, 2026 |
| Holiday | Observed |
|---|---|
| New Year’s Day | Fri, Jan 1, 2027 |
| Birthday of Martin Luther King, Jr. | Mon, Jan 18, 2027 |
| Washington’s Birthday | Mon, Feb 15, 2027 |
| Memorial Day | Mon, May 31, 2027 |
| Juneteenth National Independence Day | Fri, Jun 18, 2027 (falls Sat, Jun 19, 2027) |
| Independence Day | Mon, Jul 5, 2027 (falls Sun, Jul 4, 2027) |
| Labor Day | Mon, Sep 6, 2027 |
| Columbus Day | Mon, Oct 11, 2027 |
| Veterans Day | Thu, Nov 11, 2027 |
| Thanksgiving Day | Thu, Nov 25, 2027 |
| Christmas Day | Fri, Dec 24, 2027 (falls Sat, Dec 25, 2027) |
Common questions
How are FAR/BAR contract deadlines counted?
In calendar days where the property is located, starting the day after the date counted from, so a 15-day Inspection Period on a contract effective Friday, October 16, 2026 runs to October 31. Standard F then moves a deadline that lands on a Saturday, Sunday or federal holiday to the next day that is none of those: here, Monday, November 2.
Which holidays move a FAR/BAR deadline?
The eleven federal legal public holidays in 5 U.S.C. § 6103(a), and the Friday or Monday a federal office observes one that falls on a Saturday or Sunday. State and local holidays do not move a deadline under the form.
What happens when a deadline falls on a weekend?
It moves to the next calendar day that is not a Saturday, Sunday, federal holiday or observed federal holiday (Standard F). The current form, Rev. 2/26, sets no 5:00 p.m. cutoff and no other clock time.
Does the Closing Date move if it falls on a weekend?
Standard F reaches dates the contract specifies as well as periods, so the calculator moves a Closing Date that lands on a weekend or federal holiday to the next day that is neither, and counts the deadlines before closing back from there. It says so when it does.
Is the calculator free?
Yes, with nothing to sign up for. It works from the form’s printed defaults and any numbers entered; the signed contract, with its riders and addenda, decides every date on a particular sale.
Keep reading
Guides
- The FAR/BAR contract: every deadline, and who pays what
- Florida title insurance: the complete 2026 guide for buyers, sellers and Realtors
- How long does a Florida title search and closing take?
- How much can a Florida condo or HOA charge for an estoppel certificate?
- How to verify a Florida title company, and keep your closing money safe
- The Florida 1031 exchange closing guide
- The Florida Title Problems Guide: 25 issues that can delay a closing