Yes, a home can be ready for occupancy when it is in a "substantial completion" stage, but only if the project is actually in that state, local requirements and permits allow, and the construction contract permits. The term “substantial completion” is not the same as “final completion,” and in substantial completion, the property is typically usable for its intended purpose but still has some minor work to be done. It is impossible to determine that, for instance, a house may be structurally sound and operate perfectly with all electrical, plumbing and heating systems working flawlessly, but still need minor paint touch-ups or hardware fixes. The owner must ensure that pre-move-in inspections and occupancy approval are completed prior to moving in. Final completion will occur later, after the punch-list and contractual items are completed.