Unless otherwise stated, the date of occupancy aka "Moving Day"...is immediately upon closing. That is a negotiable term which would be best discussed between your Lender and your Agent. The underwriting of loans vary greatly depending on what type they are...FHA, VA, Conventional, WHEDA...and can take anywhere from days to months. The advice given here is very solid. Meet with your Lender, discuss the best loan program, get your preapproval letter, meet with your agent, discuss your timeline, find a home and choose your closing date accordingly. Once your offer is accepted, stay diligent as to what the Lender needs for the underwriting of the loan. Any delay in receipt of documents could potentially delay your closing or potentially ruin the deal.