What is a closing disclosure?
The Closing Disclosure is a five-page form detailing your final loan terms, rate, monthly payment, and exact closing costs. By law you must receive it at least three business days before closing.
Compare it to your Loan Estimate to confirm nothing shifted unexpectedly. We review it with you line by line so closing day holds no surprises.
The final numbers
A closing disclosure is a five-page form that lays out the final terms of your loan. It shows your rate, monthly payment, closing costs, and the exact cash you need to bring to closing.
It closely mirrors the loan estimate you got at the start. Comparing the two shows you whether any costs changed along the way.
The three-day rule
By law, you must receive the closing disclosure at least three business days before you sign. This gives you time to review the numbers and ask questions.
We go through it with you line by line so there are no surprises at the table. Reach out and we will make sure your final figures match what you were promised.
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.