How Do I Review a Closing Disclosure?
By JC Pacific Corp Published 2026-09-01 Last professionally reviewed: September 2026
Review the Closing Disclosure by comparing it line by line with the most recent Loan Estimate and the purchase agreement.
Confirm the Loan Terms
Check:
- Loan amount
- Interest rate
- Loan type
- Monthly principal and interest
- Rate-lock status
- Prepayment penalty
- Balloon payment
- Mortgage insurance
Confirm the Transaction
Check:
- Purchase price
- Earnest-money credit
- Down payment
- Seller credit
- Lender credit
- Prorations
- Title and escrow charges
- Recording
- Taxes
- Insurance
- Cash to close
Ask About Every Change
Questions include:
- Why did this fee increase?
- Why is a credit missing?
- Is the deposit correct?
- Is the loan amount correct?
- Did the rate change?
- Are the property taxes estimated correctly?
- Is the insurance premium correct?
- Is the closing date correct?
Frequently Asked Questions
Who corrects an error?
Contact the lender and escrow or settlement professional immediately.
Should I sign if the figures are wrong?
Do not knowingly sign inaccurate documents without obtaining an explanation and appropriate correction.
Does the agent review the loan terms?
The agent may help identify transaction figures, but the lender must explain the loan.
Review before signing day so mistakes can be corrected without delaying closing.
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The next step is a conversation with a local agent.
JC Pacific Corp is an Irvine-based Southern California brokerage helping buyers navigate offers, escrow, and financing. Tell us what you are looking for and we will point you to current options across the region.
A note on legal advice: These guides provide general, educational information about California real estate practice. They are not legal advice and do not create an attorney-client relationship. Mortgage information is general education, not individualized lending, tax or legal guidance. For advice about your specific offer, contract, closing or financing, consult a qualified California real estate attorney and a qualified mortgage professional.