Check your Closing Disclosure before you close

Paste your Loan Estimate and Closing Disclosure; get a side-by-side of what changed and polite questions for your lender.

What it does

No bot required. When you buy a home with a mortgage, your lender has to give you the Closing Disclosure at least three business days before closing. The CFPB says to use those days: compare it with your most recent Loan Estimate, and if something looks different, ask why. Paste both forms into any chat AI and it builds the side-by-side for you: loan amount, interest rate, monthly payment, closing costs and cash to close, plus any risky features the CFPB flags (a prepayment penalty or a balloon payment) and the costs that aren't in escrow. You get a short list of polite questions for your lender, and a reminder of the CFPB's wire-fraud rules for closing day. Good for first-time buyers, people refinancing, and part-time agents helping a client double-check. It's a checklist, not legal or financial advice.

Copy-paste prompt

No bot needed: paste this into Grok, ChatGPT, or Claude.

I'm about to close on a home loan. Here are my most recent Loan Estimate and my Closing Disclosure:
[paste the text or upload both, with my Social Security number and loan or account numbers removed]

Using the CFPB's Closing Disclosure explainer, please:
1. Make a side-by-side table of the Loan Estimate vs. the Closing Disclosure for: loan term, purpose, product and loan type; loan amount; interest rate; estimated total monthly payment; total closing costs; and cash to close. Mark each one Same or Changed, with both amounts.
2. Check that my name is spelled the same everywhere.
3. Tell me in plain words whether the loan has a prepayment penalty or a balloon payment. The CFPB calls both risky.
4. List any property taxes, insurance or HOA dues that are NOT in escrow, so I can budget to pay them myself.
5. Compare the closing cost sections: are the services I couldn't shop for similar to the Loan Estimate, and are there any new services that weren't on it?
6. For everything that changed, write a short, polite question for my lender, like "Why did my cash to close go up by $___?"
7. Closing-day safety, from the CFPB: never follow wiring instructions from an email. Confirm them in person or by calling a phone number I already agreed on with my agent or settlement agent. If I think I wired money to a scammer, call my bank right away to ask for a wire recall, and report it at ic3.gov.

If a number is hard to read, ask me instead of guessing. Don't tell me whether to close, and don't give legal or financial advice. (If this is a reverse mortgage or a HELOC, tell me I likely got different forms and to ask my lender.)