Certificate of Occupancy
A certificate of occupancy confirms a home is safe and legal to live in. New construction needs one before move-in. The city issues it.
What Certificate of Occupancy means
It follows a final round of inspections. Lenders often require it before they fund a new build. It proves the home is truly ready.
Florida example
A new Florida home gets its certificate once inspections pass. Then the buyer can close and move in. We keep the timing on track.
What it is
A certificate of occupancy confirms a home is safe and legal to live in. New construction needs one before you can move in.
The local building office issues it.
Why it matters
Lenders often require the certificate before funding a new-construction loan. It proves the home is ready.
We coordinate this on new builds. Reach out and we will keep your closing on schedule.
Related program: Learn more →
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.