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Five pages of final numbers in the same layout as your Loan Estimate — deliberately, so you can lay the two documents side by side and see exactly what moved.
When you get it: You must receive it at least three business days before closing. Those days exist by law so you can read it — a rushed closing that skips them is a warning sign, not a favor.
The same table as your Loan Estimate's page 1, now final: amount, rate, monthly P&I, and the yes/no boxes.
Check: Compare every line to the Loan Estimate. The rate should match what you locked. A changed answer in any yes/no box is a stop-the-closing conversation, calmly had.
Every fee, itemized, in the same A/B/C/E/F/G sections as the estimate — now split between what you pay and what the seller pays.
Check: Check the tolerance rules: Sections A and B must not exceed the estimate; Section C (lender's-list providers) at most ~10% in total. If a protected number grew, the lender generally owes you the difference — ask for the cure.
A did-this-change table: each component of your cash to close, estimate versus final, with a yes/no column.
Check: This table does your audit for you. Read every YES row and make someone explain it in a sentence you understand. Confirm seller credits and assistance funds appear exactly as negotiated.
The full accounting between you and the seller: price, deposits, credits, prorated taxes, and the final amount due from you.
Check: Check your earnest-money deposit is credited, and tax prorations use the right dates. Errors here are usually honest — and they are usually in this table.
The loan's standing rules: assumption, demand feature, late fees, negative amortization, partial payments, and your escrow account details.
Check: Read the escrow section: it states what is escrowed and what is not. If taxes or insurance are NOT escrowed, those bills come to you directly — budget for them.
Five-year totals, APR, TIP, and the contact table for every company in your closing.
Check: Compare APR and TIP to the Loan Estimate one last time. Then keep this page — it is the phone list for anything that goes wrong after closing.
Closing funds move by wire, and wire fraud against homebuyers is a real, ongoing crime pattern: criminals send emailed "updated wiring instructions" that look like your title company.
Check: Confirm wiring instructions by PHONE, using a number you looked up yourself — never one from the email containing the instructions. Instructions that change at the last minute are fraud until proven otherwise.
Three business days, two documents side by side, one table (Cash to Close) that flags every change for you. An hour with it is worth more than almost anything else you can do in closing week.
Structure and terminology follow the CFPB's official form explainer: CFPB — Closing Disclosure explainer. Educational only — your own documents and your lender's answers control. Tolerance rules have exceptions (notably after a valid “changed circumstance”); a HUD-approved counselor can review your documents with you for free.