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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).
You will want to get the place livable and exit from the construction-loan phase as soon as possible. Many lenders require that a certificate of occupancy be issued before they will finance the permanent loan. Lenders typically allow for overruns and changes as construction progresses via a reserve account.