Closing Disclosure Checklist
A closing disclosure checklist for loan terms, interest rate, closing costs, cash to close, escrow, seller credits, fees, and lender questions.
Built for Closing Disclosure review: loan terms, interest rate, monthly payment, closing costs, cash to close, escrow, seller credits, fees, wire instructions, and lender questions.
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- Items
- 8 editable tasks
- Time / effort
- 15-45 minutes per session
- Best for
- A closing disclosure checklist for loan terms, interest rate, closing costs, cash to close, escrow, seller credits, fees, and lender questions.
- Focus
- A closing disclosure checklist for loan terms, interest rate, closing costs, cash to close, escrow, seller credits, fees, and lender questions.
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Quick answer
What this checklist is for
Built for Closing Disclosure review: loan terms, interest rate, monthly payment, closing costs, cash to close, escrow, seller credits, fees, wire instructions, and lender questions.
- Best for
- A closing disclosure checklist for loan terms, interest rate, closing costs, cash to close, escrow, seller credits, fees, and lender questions.
- Core checklist items
- Confirm name spelling, property address, loan term, loan purpose, product, loan type, loan amount, and interest rate match expectations, Compare closing costs, cash to close, lender credits, seller credits, prepaids, escrow deposits, and services with the latest Loan Estimate, Check whether the loan has a prepayment penalty, balloon payment, demand feature, negative amortization, or other contract details needing questions, Review estimated monthly payment, principal and interest, mortgage insurance, property taxes, homeowners insurance, escrow, and non-escrow items, Compare services you did not shop for and services you did shop for against expected provider names, amounts, and lender explanations
Printable closing disclosure checklist
- Confirm name spelling, property address, loan term, loan purpose, product, loan type, loan amount, and interest rate match expectations
- Compare closing costs, cash to close, lender credits, seller credits, prepaids, escrow deposits, and services with the latest Loan Estimate
- Check whether the loan has a prepayment penalty, balloon payment, demand feature, negative amortization, or other contract details needing questions
- Review estimated monthly payment, principal and interest, mortgage insurance, property taxes, homeowners insurance, escrow, and non-escrow items
- Compare services you did not shop for and services you did shop for against expected provider names, amounts, and lender explanations
- Verify wire instructions or cashier check rules directly with the closing agent through a trusted phone number before sending funds
- Write lender, settlement agent, escrow, attorney, or real estate agent questions for any change before the scheduled closing date
- Save the final Closing Disclosure, signed loan documents, payment proof, escrow notes, seller credits, contact list, and post-closing follow-up
How to use this checklist
Built for Closing Disclosure review: loan terms, interest rate, monthly payment, closing costs, cash to close, escrow, seller credits, fees, wire instructions, and lender questions. Bookmark /closing-disclosure-checklist/ if you use this checklist repeatedly.
Planning tips for this checklist
Use the three-day review window
The CFPB notes that lenders provide the Closing Disclosure before scheduled closing so borrowers can resolve problems. Use the checklist to compare terms, costs, and cash to close before signing pressure builds.
Compare against the Loan Estimate
Loan amount, rate, monthly payment, closing costs, lender credits, seller credits, escrow, and services should be checked against the latest Loan Estimate and written agreements.
Treat wire instructions as a separate task
Closing funds are high risk. Verify instructions with a trusted closing contact and save confirmation notes, payment proof, and final documents in the closing folder.
Frequently asked questions
What should I include in a closing disclosure checklist?
A useful closing disclosure checklist should include the tasks that matter before, during, and after the situation. Start with the printable list, remove anything that does not apply, and add personal details such as dates, names, addresses, or supplies.
Can I print this closing disclosure checklist?
Yes. Use the checklist generator to edit the tasks, then choose Print / Save PDF. A printed checklist is helpful when several people need to share the same plan.