Mortgages / Closing Disclosure check
Check your Closing Disclosure against your Loan Estimate
Your lender must send the Closing Disclosure at least three business days before closing. Federal rules limit how much most closing costs can rise from the Loan Estimate. Enter the figures from both forms to see whether anything went up by more than the law allows.
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Example figures These figures are made up to show how the check works. Replace them with the ones on your own forms.
- Can't increase: A. Origination Charges is up $500. That's $500 above the limit.
- Up to 10% in total: $3,850 became $4,400 (14.3%). The limit is $4,235, so $165 is above it.
- No limit: $6,400 became $6,900. Ask about any big change, but there's no cap.
| Charge | Limit | Loan Estimate | Closing Disclosure | Change | Above the limit |
|---|---|---|---|---|---|
| A. Origination Charges | Can't increase | $13,295 | $13,795 | +$500 | $500 |
| B. Services You Cannot Shop For | Can't increase | $1,150 | $1,150 | No change | — |
| Transfer Taxes | Can't increase | $23,100 | $23,100 | No change | — |
| C. Services you could shop for, from the lender's list | Can increase by up to 10% in total | $3,100 | $3,600 | +$500 | Counted together |
| Recording Fees and Other Taxes | Can increase by up to 10% in total | $750 | $800 | +$50 | Counted together |
| Services from a provider you found yourself | No limit | $0 | $0 | No change | No limit |
| F, G and H: prepaids, escrow and other | No limit | $6,400 | $6,900 | +$500 | No limit |
The 60-day refund deadline and the limits are in 12 CFR 1026.19(e)(3) and (f)(2)(v). 12 CFR 1026.19(e)(3) and (f)(2)(v): good faith and refunds · checked 21 Oct 2026
What to do next
- Look for a credit already on the form. When costs exceed the legal limits, the Closing Disclosure must say so, give the amount, and point you to the lender credits that cover it. 12 CFR 1026.38: content of the Closing Disclosure · checked 21 Oct 2026
- Ask the lender, in writing, about each increase: Was there a change in circumstances, and when did you send a revised Loan Estimate? Which provider did I use for each service, and was it on your list? Is this fee paid to you or an affiliate?
- Know the valid reasons. Limits can reset after a change in circumstances, such as choosing a different loan or down payment, an appraisal above or below the expected value, a change in your credit, or income the lender couldn't document. Without one, you're entitled to a refund of the amount above the limits. CFPB: can my final mortgage costs increase from the Loan Estimate? · reviewed 11 Sep 2024, checked 21 Oct 2026
- Use the three days. The form arrives at least three business days before closing so you can ask questions first. CFPB: what is a Closing Disclosure? · reviewed 2 May 2023, checked 21 Oct 2026 If the loan amount went up, ask why; if you locked your rate, it can change only in limited circumstances. CFPB: Closing Disclosure explainer · modified 10 Oct 2023, checked 21 Oct 2026
- If it isn't resolved, you can submit a complaint to the CFPB, and tell your attorney before closing. CFPB: submit a complaint · checked 21 Oct 2026
This is a check of the figures you enter, not legal advice. Whether a limit applies depends on facts only your lender's file shows, such as whether a provider is an affiliate or a revised Loan Estimate was valid.