Guide · US edition · Updated 2026-10-29

Closing Disclosure Checklist: What To Check Before Closing

Your lender must give you the Closing Disclosure at least three business days before closing (CFPB rules). It shows the final terms and costs of your loan. Use those three days to check it carefully.

Compare it with your Loan Estimate

Put them side by side. Check:

☐ Loan amount
☐ Loan term and loan type
☐ Interest rate, and that it's what you locked
☐ Monthly principal and interest
☐ Prepayment penalty and balloon payment
☐ Cash to close

Then check the details

☐ Your name is spelled correctly
☐ The property address is correct
☐ Seller credits and repair credits you negotiated are included
☐ Your earnest money deposit is credited
☐ Escrow for property taxes and insurance looks right
☐ Homeowners insurance company and premium are correct

Know which changes restart the clock

Certain changes generally require a new Closing Disclosure and a new three-day waiting period: a change to the APR beyond a small tolerance, a change in loan product, or adding a prepayment penalty.

Ask questions

If a fee went up or something is new, ask your lender in writing. Some fees can't increase at all compared with the Loan Estimate; others can increase only within limits.

Before you wire money

Call your title or escrow company at a phone number you already know (not one in an email) to confirm wiring instructions. See wire fraud at closing.

General information, not legal or financial advice.

The First-Time Home Buyer Binder includes a Closing Disclosure check page and a closing cost comparison in the tracker.

First-Time Home Buyer Binder — $17

18-page binder from pre-approval to closing: affordability worksheet, Loan Estimate comparison, showing scorecard, inspection, wire-fraud check and closing day. Instant download: PDF + DOCX + XLSX.

Get the First-Time Home Buyer Binder Family Paperwork Bundle — $34