Condition Deadline

An offer with conditions is a ticking clock. Financing, inspection, and condo document review each expire on a specific date, and missing one by a single day can cost you the house or your deposit protection. "Five business days" sounds simple until you count it across a weekend. This calculator turns the condition periods in your offer into calendar dates you can diary.

What this calculator answers

It computes the exact expiry date for each condition in your offer — financing, home inspection, condo status certificate review, sale of your current home, or any custom condition — from the acceptance date and the period the clause specifies. It counts business days and calendar days separately for each condition, since one offer routinely mixes the two.

What it deliberately does not cover

This calculator counts days; it cannot read your contract, and the contract governs. It does not interpret what counts as valid waiver or fulfilment — a financing condition is not satisfied because you feel confident, only the way the clause says it is. It does not know the time of day your conditions expire; many contracts specify a cutoff like 6:00 p.m., and an expiry date without a time is half an answer. It does not resolve what happens if a deadline lands on a statutory holiday. And it cannot tell you the legal consequences of missing a deadline. Those are lawyer questions.

Every input, explained

Acceptance date (and time, if known). Enter the date the offer was fully accepted — when the last signature was communicated, not when you signed your side. The common error is starting the clock from your signature; that can shift every deadline by a day or more.

Condition type and period. Add each condition separately with its period, exactly as written — e.g. financing: 5 business days; inspection: 7 calendar days; status certificate review: 3 business days. The common error is applying one counting method to every condition. Only your clause wording decides — never assume.

Business days vs. calendar days. Select the counting method each clause uses. Business days skip weekends and statutory holidays; calendar days count everything. The common error is counting weekends into a business-day condition and believing you have two extra days you do not have.

Province. Select the property's province so statutory holidays are excluded from business-day counts. The common error is forgetting provincial holidays entirely — one can pull a business-day deadline a full day earlier than a weekend-only count suggests.

How the math works

The calculator starts on the acceptance date as day zero and counts forward. For a business-day condition it steps through the calendar, skipping weekends and the province's statutory holidays, until it has counted the required business days. For a calendar-day condition it simply adds the days. Each condition is counted independently, so different periods or counting methods land on different dates within the same offer.

Worked example: offer accepted Friday, 18 September 2026

A buyer in Ontario has an accepted offer dated Friday, 18 September 2026, with three conditions. Here is the count for each:

Financing — 5 business days. Day zero is Friday the 18th. Counting: Monday 21 September (1), Tuesday 22nd (2), Wednesday 23rd (3), Thursday 24th (4), Friday 25th (5). Deadline: Friday, 25 September 2026 — check the contract for the exact time of day.

Home inspection — 7 calendar days. Every day counts: 19, 20, 21, 22, 23, 24, 25 September. Deadline: Friday, 25 September 2026. Note both conditions land on the same date here by coincidence — that will not always happen, which is exactly why each condition needs its own count.

Status certificate review — 3 business days. Monday 21st (1), Tuesday 22nd (2), Wednesday 23rd (3). Deadline: Wednesday, 23 September 2026 — two full days before the other conditions expire, and the easiest one to overlook.

The practical takeaway: the buyer's lawyer needs the status certificate immediately — three business days from a Friday acceptance is brutally short.

Provincial quirks and edge cases

Standard-form contracts differ by province, and the definition of "business day" lives in that fine print — confirm what your form says rather than relying on the calculator's default. Statutory holidays vary by province, which changes business-day counts for identical condition periods. In Quebec, transactions run through a notary and the promise to purchase uses different condition conventions [VERIFY]. If a deadline lands on a holiday, do not assume it rolls to the next business day; that comes from the clause wording, not the calendar. And if acceptance happened late in the evening, confirm with your lawyer whether the acceptance day counts as day zero — on short conditions, that single day is the whole margin.

Questions to ask a professional

1. Real estate lawyer: Under my exact clause wording, does the acceptance day count as day zero or day one, and what time of day does each condition expire?
2. Real estate lawyer: What counts as valid delivery of a waiver or notice of fulfilment — email, and to whom, by when?
3. Real estate lawyer: If a condition deadline falls on a statutory holiday, does my contract roll it to the next business day or let it expire?
4. Mortgage broker: Is my financing condition timeline realistic for a full approval — and what written proof of a decline satisfies the clause if I need to exit?