Reviewed by Main AI · Updated July 2026
The Closing Disclosure is the final statement of your mortgage terms and closing costs — federal mortgage rules generally require that you receive it at least 3 business days before closing. Compare it line-by-line against your Loan Estimate; some fees generally cannot increase.
The Closing Disclosure (CD) is the last look before the biggest signature of your life: five pages stating your final loan terms — rate, monthly payment, total closing costs, cash to close. Federal rules generally require that you receive it at least three business days before closing, a window that exists precisely so you can catch problems. Use it: compare the CD line-by-line against the Loan Estimate you got when applying. Fee-change rules protect you — lender charges generally cannot increase from the estimate, some categories tolerate limited increases, and violations mean the lender covers the difference. Scrutinize: rate and lock status, monthly payment against expectation, cash-to-close arithmetic, prepayment penalty, escrow structure. Discrepancies are fixable — before signing, not after.
Category rules apply — many lender charges cannot increase at all, others only within limits. Excess increases in protected categories are the lender’s to cover; challenge them.
Certain significant changes generally restart the 3-day clock — and material errors are worth delaying for. Fixing a wrong document beats living with it for 30 years.
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