Offer Checklist (PDF)

Once you find the right home, moving quickly with a clean, well-structured offer can make the difference between winning or losing it. This checklist outlines the core details every buyer should confirm before signing: price, contingencies, credits, and required attachments. Download the printable PDF below to review with your agent and lender before you submit.

Why an offer checklist matters

Home offers include many moving parts: purchase price, closing date, financing terms, and sometimes seller credits or personal property addenda. Missing even one key detail can slow down acceptance or leave you unprotected. A checklist ensures you cover the essentials while also documenting what’s negotiable and what’s non-negotiable.

Key items to confirm before submitting

Basics

  • Offer price and escalation terms (if using)
  • Earnest money deposit amount and deadline
  • Closing date and occupancy plan (does seller need a rent-back?)

Contingencies

  • Inspection period length (typical: 5–10 days)
  • Appraisal contingency details (cap or waiver if used)
  • Financing contingency — type of loan and lock period

Credits & inclusions

  • Seller credits requested (amount and purpose)
  • Appliances, fixtures, or furniture to remain
  • Any personal property addendum included

Attachments

  • Pre-approval or proof-of-funds letter
  • Signed state-required disclosures
  • Lead paint/radon documentation (if applicable)
⚠️ Warning: Submitting without contingencies may strengthen your offer, but increases buyer risk. Discuss with your agent before waiving.

Pro tips for a stronger offer

  • Have your lender call the listing agent after submission to confirm strength of financing.
  • Consider a personalized cover letter (if allowed in your state/market).
  • Submit early in the day — many sellers review offers in the evening.
  • Double-check dates (closing, contingencies, escrow) against the calendar to avoid weekends/holidays.

FAQs

Do I need a pre-approval letter for every offer?

Yes. Most sellers require a pre-approval or proof of funds attached. Submitting without one will likely result in rejection.

What’s an escalation clause?

It’s language that automatically increases your offer price above competing offers up to a set cap. Useful in bidding wars but must be carefully worded.

Should I waive inspection?

Generally not recommended. In some markets, buyers use “information only” inspections to remain competitive while still uncovering issues.

Disclaimer: This checklist is educational only and does not replace legal or agent guidance. Always follow your state’s real estate contract requirements.