Effective Date
Counting normally begins with the next calendar day, not the Effective Date itself.
Florida Contract Resource
Florida Escrow Deposit Deadline Calculator
Use your contract’s Effective Date and the delivery period in Paragraph 2(a) to estimate the calendar date your initial deposit is due.
Deadline Estimate
Calculate the delivery date.
This tool follows the standard calendar-day method used in the Florida Realtors/Florida Bar AS IS contract.
- The Effective Date is not counted as Day 1.
- Weekends and holidays are counted while the period runs.
- A final weekend or qualifying holiday rolls forward.
How the Estimate Works
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Three details determine the date.
The calculator estimates a delivery deadline. It does not determine whether funds were received, cleared or legally delivered on time.
Contract Period
Enter the number of days written in Paragraph 2(a). Review the signed agreement rather than relying on memory.
Final-Day Adjustment
If the calculated deadline lands on a weekend or qualifying federal holiday, the tool moves it forward.
Standard F — Time
Calendar days are counted straight through.
Saturdays, Sundays and holidays remain part of the count. The adjustment generally occurs only when the final calculated date lands on a weekend, national legal public holiday or its observed date.
Review Florida Realtors’ timing guidance →Bank closures are not the rule.
A bank may be closed or have limited processing without automatically extending a contract deadline. This calculator uses national legal public holidays and their observed dates—not a general list of banking closures.
- New Year’s Day
- Martin Luther King Jr. Day
- Washington’s Birthday
- Memorial Day
- Juneteenth
- Independence Day
- Labor Day
- Columbus Day
- Veterans Day
- Thanksgiving Day
- Christmas Day
Common Questions
What buyers should know.
Does the Effective Date count as Day 1?
For a period stated as a number of days “after Effective Date,” the calculator begins with the following calendar day.
What if Paragraph 2(a) is blank?
The standard AS IS form currently provides three days when the number is blank, but your executed contract and any changes control.
Are weekends counted?
Yes. They are counted while the period runs. If the final deadline falls on a weekend, it generally extends to the next qualifying calendar day.
Is delivery the same as collected funds?
No. Delivery, receipt, processing and final collection can be different events. Confirm the acceptable method with the named Escrow Agent.
What if the deposit accompanied the offer?
The calculator will not generate a later deadline because Paragraph 2(a) identifies the deposit as accompanying the offer.
What happens if a deposit may be late?
Do not rely on this calculator to determine breach, default or deposit rights. Contact your real estate professional or a Florida real estate attorney promptly.
After calculating: confirm the delivery plan
Use the estimate to organize your next conversation with your agent and escrow holder.
- Check the signed contract, Effective Date and any amendments together.
- Confirm who holds the deposit, the accepted payment method and any processing cutoff.
- Independently verify wiring instructions using a trusted phone number.
- Keep the delivery confirmation and ask the escrow holder to confirm receipt.
- Record inspection, financing and closing dates separately; one deadline does not establish the others.
The buyer’s contractual delivery deadline and a broker’s escrow-handling duties are different questions. Florida Realtors explains the escrow-handling rules.
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