How long does a homeowner have to cancel a home improvement contract in Mississippi?
In Mississippi, a buyer may cancel a home solicitation sale made on credit (paid in installments or with a credit service charge), personally solicited and agreed to at the buyer’s home, by written notice until midnight of the third business day after signing, though the seller may keep a cancellation fee of up to 5% of the cash price or the cash down payment, whichever is less. The seller must have the buyer sign a written agreement, or a statement attached to it, dated the day the buyer actually signs and containing under the conspicuous caption "BUYER’S RIGHT TO CANCEL" a statement that the buyer may cancel by mailing a notice by certified or registered mail before midnight on the third business day after signing; a contract with the Federal Trade Commission’s notice of cancellation also complies, and until the seller complies the buyer may cancel by any means. A written notice in any form is enough, and one sent by certified or registered mail is given when deposited in a mailbox properly addressed and postage prepaid. Within ten days after cancellation the seller must return any payments and any note or other evidence of debt, may keep as a cancellation fee 5% of the cash price but no more than the cash down payment, and is entitled to no other compensation for services performed before cancellation. The buyer may not cancel if the buyer asked for goods or services without delay because of an emergency and the seller in good faith made a substantial beginning of performance before the notice. The federal cooling-off rule separately gives three business days to cancel many sales made at the buyer’s home. This is Miss. Code §§ 75-66-1, 75-66-3, 75-66-5, 75-66-7, 75-66-9.
| What | Mississippi |
|---|---|
| Right to cancel | 3 business days for home solicitation sales on credit |
What the statute says
“… the buyer has the right to cancel a home solicitation sale until midnight of the third business day after the day at which the buyer signs an agreement or offer to purchase which complies with this chapter …”
Quoted word for word from the section’s text.
Source
Miss. Code §§ 75-66-1, 75-66-3, 75-66-5, 75-66-7, 75-66-9
Read the statute in the Mississippi Code (Mississippi Legislature): legislature.ms.gov.
The linked sections open Justia’s free copy of the code, because the state’s own site has no stable address for each section.
Checked against the statute on November 15, 2026.
This is a summary of a published statute, not legal advice. Rules change, local ordinances can add to them, and the terms of a specific lease may differ. Check the citation and speak to a lawyer before acting.
How Seayora uses this rule
An estimate on Seayora carries its own terms and contract text, and the customer’s approval is recorded with its date, so the day a cancellation period starts is on file for both the contractor and the homeowner.
Guides on this rule
- Right to Cancel a Home Improvement Contract by State — How long a homeowner has to cancel a home improvement contract, with the rule in each of the 51 jurisdictions whose statute gives the right.
Compare this rule in every state
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The same question in other states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii