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A Certificate of Occupancy (CO) is granted once ALL conditions of the building permit have been satisfied. This. includes, but is not limited to, finalization of all permits and inspectio ns (Fire, Site, Civil, Building, Electrical, Mechanical, Plumbing).
This allows home owners to move into the house while the remaining list of items is being corrected. Certificates Of Occupancy are often times required by financial institutions before they release final construction loan payments or allow a home owner to close on a new house.