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Real Estate

Fill out CFPB Loan Estimate online

The Loan Estimate is a three-page form that provides a standardized summary of key loan terms, estimated monthly payments, and projected closing costs for a mortgage. Required by the CFPB under TILA-RESPA Integrated Disclosure (TRID) rules, it replaced the Good Faith Estimate (GFE) for most residential mortgage transactions and must be provided within 3 business days of receiving a loan application.

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CFPB Loan Estimate - simplepdf.com
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How to fill out CFPB Loan Estimate

1

Review loan terms (page 1)

Check the loan amount, interest rate (and whether it can increase), monthly principal and interest payment, and any prepayment penalty or balloon payment.

2

Examine projected payments

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

3

Compare closing costs (page 2)

Review the estimated closing costs broken into loan costs (origination, appraisal, credit report) and other costs (taxes, government fees, prepaids). Note the "Cash to Close" estimate at the bottom.

4

Check comparisons and other info (page 3)

Review the comparison section showing total costs over 5 years and the Annual Percentage Rate (APR). Note the "Other Considerations" including the appraisal, servicing, and late payment policies.

About CFPB Loan Estimate

Who needs this form

All borrowers who apply for a residential mortgage. The lender is required to provide the Loan Estimate within 3 business days of receiving a complete application. Use it to compare offers from multiple lenders before choosing a mortgage.

Where to submit

The lender provides it to the borrower. The borrower reviews it and may indicate intent to proceed. It is not filed with any government agency. Keep it to compare against the Closing Disclosure you receive before closing.

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 Loan Estimates from multiple lenders side-by-side before choosing
  • Ignoring the "Estimated Total Monthly Payment" which includes taxes, insurance, and PMI
  • Not noting the rate lock expiration date - the interest rate may change if you do not lock in time
  • Confusing the Loan Estimate with a loan commitment (it is just an estimate, not an approval)
  • Not asking about charges that seem higher than expected before proceeding

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Can the costs on my Loan Estimate change at closing?
Some costs can change and some cannot. Charges from the lender (origination fees) generally cannot increase. Third-party charges (title insurance, survey) can increase by up to 10% in total. Other charges (like prepaid interest or property insurance you shop for yourself) can change without limit. If your interest rate, loan program, or property change, the lender must issue a revised Loan Estimate. Compare it carefully against your Closing Disclosure before signing at closing.

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