Closing Docs Checklist

Review your Closing Disclosure, Loan Estimate, and Sales Contract before signing. Check off each item as you verify it.

Pro Tip: Compare your Closing Disclosure side-by-side with your Loan Estimate and Sales Contract. Any number that changed should have a clear explanation. If something doesn't match, ask your loan officer before signing.

0 of 84 items verified0%

Closing Disclosure (CD) — Page 1

0/9

Borrower name(s) spelled correctly
Property address matches the sales contract
Sale price matches the contract
Loan amount is correct
Interest rate matches your rate lock
Loan term is correct (e.g. 30-year fixed)
Loan purpose is correct (Purchase / Refinance)
Loan product type is correct (Conventional, FHA, VA, USDA)
Closing date on CD is correct

Loan Terms Verification

0/6

No prepayment penalty (or penalty terms are understood)
No balloon payment (or balloon terms are understood)
If ARM: initial rate, adjustment period, caps, and index verified
Rate lock has not expired
Lender credits (if any) are applied correctly
Discount points (if any) match your agreement

Projected Payments

0/6

Monthly principal & interest payment is correct
Mortgage insurance amount is correct (or confirmed not required)
Escrow for property taxes is included and reasonable
Escrow for homeowner's insurance is included (or waiver confirmed)
HOA dues accounted for (if applicable)
Total estimated monthly payment matches expectations

Costs at Closing

0/6

Total closing costs match or are close to the Loan Estimate
Cash to close amount is understood and funds are available
Earnest money deposit credited correctly
Seller credits applied as negotiated in contract
Down payment amount is correct
Source of funds for down payment documented (gift letter if applicable)

Loan Costs — Origination (Section A)

0/6

Origination fee matches the Loan Estimate
Application fee (if any) is correct
Underwriting fee is correct
Processing fee is correct
Broker compensation (if applicable) matches disclosure
No unexpected or duplicate origination charges

Services You Cannot Shop For (Section B)

0/5

Appraisal fee is correct
Credit report fee is correct
Flood certification fee is correct
Tax service fee is correct
No new fees added that weren't on the Loan Estimate

Services You Can Shop For (Section C)

0/7

Title search / examination fee is reasonable
Lender's title insurance premium is correct
Owner's title insurance premium is correct (if purchasing)
Settlement / closing fee is correct
Survey fee (if required) is correct
Pest inspection fee (if required) is correct
Attorney fee (if applicable) is correct

Other Costs — Taxes & Government Fees

0/5

Recording fees are correct
Transfer taxes are correct (if applicable in your state)
State stamps / intangible taxes correct (if applicable)
City/county transfer fees accounted for (if applicable)
Property tax proration between buyer and seller is correct

Prepaids (Section F)

0/6

Prepaid interest (per diem) is correct for your closing date
Homeowner's insurance first-year premium is correct
HOI payment method confirmed (at closing vs. escrowed)
Prepaid property taxes are correct
Flood insurance premium is correct (if in flood zone)
Upfront MIP/funding fee is correct (FHA/VA only)

Initial Escrow (Section G)

0/5

Number of months collected for escrow cushion is correct
Property tax escrow amount per month is correct
Insurance escrow amount per month is correct (or waiver noted)
Aggregate adjustment is applied (should lower escrow if applicable)
Total initial escrow deposit at closing is correct

Sales Contract vs. CD

0/7

Sale price on CD matches the contract exactly
Earnest money deposit matches the contract
Seller credits / concessions match the contract
Closing date on CD matches the contract
Personal property inclusions (if any) are documented
Repair credits (if negotiated) are reflected
All contingencies have been satisfied or waived

Property & Title

0/6

Legal description of property is correct
Title search shows clear title (no unexpected liens)
Title insurance covers the full purchase price
Vesting / ownership type is correct (individual, joint, trust)
Survey reviewed — no encroachments or boundary issues
HOA documents reviewed and transfer fees accounted for

Final Walkthrough & Signing

0/10

Final walkthrough completed — property condition acceptable
All agreed-upon repairs completed
All included appliances and fixtures present and working
Utilities turned on / transfer arranged
Cashier's check or wire transfer arranged for cash to close
Wire instructions verified directly with title company (wire fraud check)
Government-issued ID ready for signing appointment
Review all documents before signing — ask questions
Request copies of all signed documents
Confirm when you receive keys, garage openers, and access codes