Page 4 of your Closing Disclosure is important. It is NOT just standardized form information that is identical for every loan. Review these terms: You should also review Escrow Account

Page 3 of your Closing Disclosure will compare cash requirements from your Loan Estimate to your actual final charges. If “Did this change?” is “YES” notes for changed sections should be

Page 2 of your Closing Disclosure details specific closing costs. Section A includes: Origination charges collected by the lender Origination fees paid to brokers, loan officers or other parties and Discount

The first page of your Closing Disclosure documents: If this loan has a penalty for pre-payment or includes a balloon payment Page 1 will summarize the terms. Projected Payments will

The Closing Disclosure documents the actual terms of your loan transaction. You should receive it no later than 3 business days before consummation. It must be in writing – paper

Page 3 of your Loan Estimate includes measures to help you compare loans. “In X Years” shows the total amount you will have paid in that time, and the dollar

Page 2 of the Loan Estimate provides the current ESTIMATED cash to close. Some costs will stay the same between estimate and closing. Some will change. These estimates of closing

Real estate transactions require taxes, certain pre-payments, and escrow funding. Recording fees are charged by government agencies for keeping legal ownership records, while “transfer taxes” may be imposed by states, counties

These costs are paid to outside parties and YOU are free to shop and compare providers for a variety of services. These might include pest inspection, or  a survey to

These costs are paid to outside parties, not the lender, but you don’t get to choose them. They may include: While you can’t shop for these services, the price for