What is Closing Disclosure?
A Closing Disclosure is the final five-page statement of your actual loan terms and closing costs, which the lender must deliver at least three business days before closing. It lets you confirm the numbers match your Loan Estimate before you sign. Reviewing it carefully prevents surprises at the table.
Example: Three days before signing, the buyer receives the Closing Disclosure and checks that the final closing costs line up with the earlier Loan Estimate.