Effective in 2002 the State passed a bill requiring that funds must be available and deposited prior to disbursement by the title company. The information below is a general guideline for determining the availability of funds. The deposit refers to the funds the buyer (or seller if applicable) provides to the title company.

As an example if you are to pay the balance of the down-payment using a Postal Money Order, you would need to provide the check to the title company a minimum of one day prior to the closing date.

Please take the time to discuss how you are going to provide the funds for the down-payment or other charges with the title company and your bank well in advance of the closing.

Found Types	Available
Electronic Transfer/Wired Funds	Day of deposit
Title Agency Check (same company that is handling the transaction)	Day of deposit
Cashier, Certified & Teller Checks	One day after deposit
Official Checks (local FDIC only)	One day after deposit
Postal Money Orders	One day after deposit
Local Personal Checks	Two days after deposit
Credit Union Checks (local)	Two days after deposit
Corporate Checks (local)	Two days after deposit
Travelers Checks	Two days after deposit
All Non-local Checks	Five days after deposit
Non FDIC Checks	Five days after deposit
Non-Postal Money Orders	Five days after deposit
Personal Check	14 days after deposit