Where it says when to water the tree, water it 2x/day on those days, subtracting any rain you've gotten. If you don't subtract water your tree has already gotten, it shouldn't matter except for banana (they are ultra-sensitive to water) unless you get excessive amounts of rain (in this case, give the Harvest Goddess a whole bunch of stuff she likes. That's worked for getting rid of rain for me

When your tree is in the correct season to bear fruit (if you use this schedule, it is the next growing season following when they become mature), refer to the page cited above for the amount of water, days, and sun required before it will bear fruit.
Peach
Plant: Spring 22
Water x2 (seed): Spring 28 - Spring 30
Water x2 (Sprt 1): Summer 1 - Summer 10
Water x2 (Sprt 2): Fall 5 - Fall 20
Mature: Fall 21
Apple
Plant: Summer 27
Water x2 (Seed): Summer 27 - Fall 6
Water x2 (Sprout 1): Fall 7 - Fall 19
Water x2 (Sprout 2): Fall 20 - Spring 20
Mature: Spring 21
Banana
Plant: Summer 9
Water x2 (Seed): Summer 16 -Summer 18
Water x2 (Sprt 1): Summer 25 - Summer 26
Water x2 (Sprt 2): Fall 14 - Fall 20
Mature: Fall 21
Orange
Plant: Summer 5
Water x2 (Seed): Summer 5 - Summer 8
Water x2 (Sprt 1): Summer 16 - Fall 1
Water x2 (Sprt 2): Fall 6 - Fall 20
Mature: Fall 21
Grape
Plant: Summer 1
Water x2 (Seed): Summer 1 - Summer 5
Water x2 (Sprt 1): Summer 6 - Fall 9
Water x2 (Sprt 2): Fall 10 - Spring 20
Mature: Spring 21