Check
- Loan amount
- Rate
- Monthly payment
- Closing costs
- Credits
- Cash to close
Compare With the Loan Estimate
If something materially changed, ask why.
See how to read the Loan Estimate and how closing numbers can shift.
Escrow vs Lender
Your lender produces the mortgage disclosure process.
Escrow and title may separately produce settlement accounting.
Red Flag
You expected $40,000 cash to close.
The document suddenly says $54,000.
Do not shrug. Ask why.
Wire Fraud Warning
The Closing Disclosure tells you the amount. It does not mean an emailed bank account is automatically legitimate.
Important
Verify the wire separately through the closing company's known, verified channel. Never trust wiring instructions that arrive by email, text or an unexpected phone call. See how to verify wiring instructions.
