California financing / loan approval deadline
When the buyer must have loan approval or give notice to keep the financing contingency. Pushing back closing usually does not push back this date.
C.A.R. California Residential Purchase Agreement (RPA)
Current RPA. Revision not confirmed.
Loan contingency removal
By default it is 17 calendar days after the Effective Date (¶3L). The deadline is 11:59 PM local time.
Current RPA default is 17 days; older RPA revisions used 21. Check the revision you signed.
Source: www.car.org · checked 2026-10-16
If it falls on a weekend or holiday
- Loan contingency removal: If it lands on a weekend or holiday, it moves to the next business day.
'Days' are calendar days, and Acceptance is day 0. After Acceptance, the last day for performing any act, including Close of Escrow, can't be a Saturday, Sunday, or legal holiday and moves to the next day. The initial deposit is the exception: it's counted in business days. 'Days After' periods end at 11:59 p.m.
Worked example: C.A.R. California Residential Purchase Agreement
C.A.R. California Residential Purchase Agreement (RPA). Effective Date Friday, October 16, 2026. Calculated with the same rules as the calculator.
| Deadline | Date |
|---|---|
| Loan contingency removal | Monday, November 2, 2026 |
Negotiated a different number?
Change it in the calculator and every date that depends on it recalculates.
Open the California calculatorFrequently asked questions
How is the "Loan contingency removal" calculated on the C.A.R. California Residential Purchase Agreement (RPA)?
By default it is 17 calendar days after the Effective Date (¶3L). If it lands on a weekend or holiday, it moves to the next business day. It ends at 11:59 PM local time.
Do weekends count for this deadline in California?
'Days' are calendar days, and Acceptance is day 0. After Acceptance, the last day for performing any act, including Close of Escrow, can't be a Saturday, Sunday, or legal holiday and moves to the next day. The initial deposit is the exception: it's counted in business days. 'Days After' periods end at 11:59 p.m.
Something missing or incorrect?