Free for first-time buyers in Mississippi

Buy your first home with the lights on.

Every step, deadline, and dollar of buying a home in Mississippi, explained in plain English. Free lessons while you shop. One payment, never a subscription, once your offer is accepted.
No card. No subscription. Nothing to cancel.
01
Offer accepted
Day 0
No state transfer tax in Mississippi
02
Earnest money
Days 1–3
03
Inspection window
Days 1–10
Closing costs run 2–4% of the price
04
Appraisal
Days 7–21
05
Underwriting and title
Days 10–35
Closings run through attorneys here
06
Closing Disclosure
3 business days out
07
Closing day
~Day 45
Homestead exemption by April 1
The numbers

Four things nobody mentions until they are due.

~45
days from offer to keys
A typical Mississippi closing.
10
day inspection window
The shortest deadline in the deal.
2–4%
of price in closing costs
Plus prepaids. No transfer tax here.
Apr 1
homestead exemption deadline
File with your county after you close.
The problem

Nobody explains this while it is happening.

You sign documents you do not understand. You find out what you owe a few days before closing. And everyone in the room does this for a living, except you.
  • Every deadline, before it is due
    Not after, when it is a problem.
  • Every dollar, in a running total
    The cash-to-close number, live, from day one.
  • Every question, already written
    What to ask your agent, attorney, and loan officer at each stage.
Your closing plan
Day 12 of ~45
Now · Inspection window
4 days left
Inspection is Thursday
Inspector booked
Termite report ordered
Ask about the roof and the water heater
Cash to close
Down payment (3.5%)
$7,525
Closing costs (est.)
$6,840
Prepaids and escrow
$2,310
Earnest money, already paid
−$2,150
Bring to closing
$14,525
Day 12 of ~45
4 days to inspect
$14,525 to close
Termite ordered
What you get

Free while you shop. One payment once you are under contract.

Free
+

Six weeks of lessons during your search

One short lesson a week, during the gap between pre-approval and an accepted offer. Mississippi-specific, and free.
  • Wk 1
    What your pre-approval actually means
    And what it does not: it is not a promise, and the number is a ceiling, not a target.
  • Wk 2
    Closing costs, with real Mississippi numbers
    They run 2–4% of the price, plus prepaids. On a $215,000 house that is roughly $6,700 to $10,400.
  • Wk 3
    What is negotiable (more than you think)
    Seller-paid closing costs, repairs, the closing date, the appliances that stay.
  • Wk 4
    How to read an inspection report
    Which findings are normal in a 1990s ranch and which two you should never ignore.
  • Wk 5
    Attorneys, title, and termite: how closings work here
    Mississippi closes through attorneys, and most lenders want a wood-infestation report.
  • Wk 6
    Homestead exemption and the first year after keys
    File with your county by April 1 or pay more property tax than you should.
One-time
+

The closing plan once your offer is accepted

A seven-stage timeline from acceptance to keys, with a live cash-to-close ledger. Paid at offer acceptance, not at signup.
  • 1
    Offer accepted
    Day 0
  • 2
    Earnest money
    Days 1–3
  • 3
    Inspection window
    Days 1–10
  • 4
    Appraisal
    Days 7–21
  • 5
    Underwriting and title
    Days 10–35
  • 6
    Closing Disclosure
    3 business days before closing
  • 7
    Closing day
    ~Day 45
Alongside the timeline: a live cash-to-close ledger, so the number on closing day is never a surprise.
The closing plan

Seven stages from accepted offer to keys.

Each stage in the app has what is happening, what it costs, what to ask your agent and loan officer, the red flags, and a checklist. Tap a stage to see a real detail.
  • 1

    Offer accepted

    Day 0
    The clock starts today. Your contract sets every deadline below, so read the dates before you celebrate, and put each one in your phone.
    Deadlines that start now
    3
  • 2

    Earnest money

    Days 1–3
    Usually about 1% of the price, delivered to the closing attorney, not the seller. It is not an extra cost: it counts toward your cash to close.
    On a $215,000 house
    $2,150
  • 3

    Inspection window

    Days 1–10
    The shortest deadline in the deal. Book the inspector the day your offer is accepted, and ask for a separate termite (wood-infestation) report; most Mississippi lenders require one.
    The shortest deadline
    Typical inspection cost
    $350–$500
  • 4

    Appraisal

    Days 7–21
    Your lender orders it and you pay for it. If it comes in under the price you agreed to, you have options, and the plan walks through each of them.
    Typical appraisal fee
    $450–$650
  • 5

    Underwriting and title

    Days 10–35
    The quiet stretch. The attorney searches title, and underwriting asks for documents. Answer the same day, and do not open new credit or move money between accounts.
    Do not
    Open new credit
  • 6

    Closing Disclosure

    3 business days before closing
    The final numbers, delivered by law three business days out. Compare it line by line to your Loan Estimate; the cash-to-close ledger does that for you.
    Time to review
    3 business days
  • 7

    Closing day

    ~Day 45
    At the attorney’s office. Bring photo ID and a cashier’s check or wire for your cash to close, in the exact amount from the Closing Disclosure. Then keys.
    Cash to close
    Known 3 days early
Why Mississippi-specific

Generic advice gets Mississippi wrong.

A few things that are true here and not everywhere. Nobody generic knows them.
No transfer tax
Attorney closings
Termite report
Homestead by April 1
Earnest money ~1%
~45 days to keys
10-day inspection
Jackson to the Coast

No state transfer tax

Many states charge one at closing. Mississippi does not, which is one line you can cross off before you start.

Closings run through attorneys

A closing attorney handles title and the closing itself here, not a title company alone. You will meet them; the plan tells you what to ask.

Termite reports, usually required

Most Mississippi lenders want a wood-infestation report on top of the home inspection. It is a separate visit and a separate fee.

Homestead exemption by April 1

File with your county tax assessor by April 1 after you close, or you pay more property tax than you owe for a year.
Pricing

One payment. The whole transaction.

The six weeks of lessons are free, and stay free. You pay once, when an offer is accepted, and it covers everything from that day to keys. No subscription.
01

Six weeks of lessons

During your search. No card, no account tier, nothing to cancel.
  • One short lesson a week, by email
  • Real Mississippi numbers and deadlines
  • What is negotiable, and what to ask
  • How to read an inspection report
Free
while you shop
02

Closing Plan

The seven-stage timeline and the cash-to-close ledger, start to keys.
  • All seven stages, with checklists
  • What to ask at each stage
  • Red flags, called out plainly
  • Live cash-to-close ledger
  • Mississippi deadlines, on your calendar
$49
one-time, at offer acceptance
03

Closing Plan + document review

Everything in the plan, plus AI review of the two documents that matter most.
  • Everything in the Closing Plan
  • Inspection report review: what is normal, what is serious
  • Closing Disclosure review, line by line against your Loan Estimate
  • Plain-English questions to bring to your agent and attorney
$99
one-time, at offer acceptance
One-time. Paid at offer acceptance, not at signup.
How this is paid for

Buyers pay for Clear to Close. So it answers to buyers.

It does not sell your information to agents, lenders, or anyone else. There are no referral fees and no lead lists. That is the whole business model, and it is on purpose.
First-time buyers

You should not need to already know how this works.

Start the free lessons the day you are pre-approved. By the time you make an offer, you will know what closing costs are, what is negotiable, and what the inspector is looking for.
Loan officers

Something clean to hand a borrower who needs it.

Text the link. Your borrower gets the explanation you do not have an hour for, and nothing here competes with you or your agent partners: no lead capture, no referrals, no matching.
Get in touch
Ready when you are

The first lesson takes eight minutes.

No card. No subscription. Nothing to cancel.
01
Offer accepted
Day 0
No state transfer tax in Mississippi
02
Earnest money
Days 1–3
03
Inspection window
Days 1–10
Closing costs run 2–4% of the price
04
Appraisal
Days 7–21
05
Underwriting and title
Days 10–35
Closings run through attorneys here
06
Closing Disclosure
3 business days out
07
Closing day
~Day 45
Homestead exemption by April 1