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Real Estate

Fill out CFPB Closing Disclosure online

The Closing Disclosure is a five-page form that provides final details about the mortgage loan you selected, including the loan terms, projected monthly payments, closing costs, and how much cash you need to close. Required by the Consumer Financial Protection Bureau (CFPB) under the TILA-RESPA Integrated Disclosure (TRID) rules, it replaced the HUD-1 Settlement Statement for most residential transactions.

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How to fill out CFPB Closing Disclosure

1

Review loan terms (page 1)

Verify the loan amount, interest rate, monthly principal and interest payment, prepayment penalty (if any), and balloon payment (if any). Compare against your Loan Estimate.

2

Check projected payments

Review the projected payments table showing your estimated total monthly payment including principal, interest, mortgage insurance, and escrow (taxes and insurance).

3

Examine closing costs (pages 2-3)

Review all itemized closing costs: loan origination charges, appraisal fees, title insurance, government recording fees, and prepaid items (interest, insurance, taxes). Compare each line to your Loan Estimate.

4

Verify cash to close and sign

Confirm the "Cash to Close" amount on page 3 matches your expectations. Review the summaries of transactions for buyer and seller. Sign at closing after verifying all figures.

About CFPB Closing Disclosure

Who needs this form

All borrowers obtaining a residential mortgage for a purchase, refinance, or construction-to-permanent loan. The lender must provide the Closing Disclosure to the borrower at least 3 business days before closing.

Where to submit

The lender provides it to the borrower. The borrower reviews and signs it at closing. The signed copy is retained in the loan file. It is not filed with any government agency.

Source and content freshness

Official source (files.consumerfinance.gov)
  • Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.

Common mistakes to avoid

  • Not comparing the Closing Disclosure to the Loan Estimate to catch unexpected cost increases
  • Waiting until the closing table to review - you should receive it 3 business days before closing
  • Not verifying the loan terms (interest rate, loan amount, monthly payment) match what was agreed
  • Missing the "Cash to Close" figure, which is the amount you need to bring to closing
  • Ignoring the escrow account section, which affects your monthly payment

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How does the Closing Disclosure differ from the Loan Estimate?
The Loan Estimate is provided within 3 business days of applying for a mortgage and shows estimated costs. The Closing Disclosure is provided at least 3 business days before closing and shows final costs. Many figures should match closely, but some charges (like title insurance, recording fees, and transfer taxes) may differ within allowed tolerances. Significant changes may require a new 3-day waiting period.

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