Closing Disclosure Calculator
Reconcile your Closing Disclosure (CD) line by line and calculate exact cash-to-close. Free TRID-compliant estimator with the 3-business-day rule reminder.
| Closing Cost Breakdown | |
| A. Origination Charges | — |
| B+C. Third Party Services | — |
| E. Taxes & Govt Fees | — |
| F+G. Prepaids + Escrow | — |
| Less: Seller Credit | — |
| Less: Lender Credit | — |
| Total Closing Costs Borrower | — |
| Cash to Close | |
| Down Payment | — |
| Earnest Money Already Paid | — |
| Plus Total Closing Costs | — |
| Cash Required at Closing | — |
A Closing Disclosure (CD) calculator reconciles every line of your TRID-mandated CD form to confirm cash-to-close, validate fee categories against your Loan Estimate, and verify the 3-business-day waiting period required by the CFPB before closing.
TRID 3-Day Rule — Why Your Closing Date Depends on CD Delivery
Since 2015, the CFPB's TILA-RESPA Integrated Disclosure (TRID) rule requires lenders to deliver the Closing Disclosure at least 3 business days before consummation. Saturdays count as business days for the CD delivery clock, but Sundays and federal holidays do not. A material change after CD delivery — interest rate jump >0.125%, addition of a prepayment penalty, or change of loan product — restarts the 3-day clock (source: cfpb.gov).
Fee Tolerance Buckets — What Can Change at Closing
The CFPB groups fees into three tolerance categories: Zero tolerance (lender fees, transfer taxes) — cannot increase from your Loan Estimate. 10% cumulative tolerance (third-party services where you used the lender's recommended provider) — can rise but only by 10% in aggregate. No tolerance (prepaids, escrows, services you shopped for) — can change without limit, but excessive changes warrant explanation.
Closing Disclosure CD Calculator: Compare CD to Your Loan Estimate Line-By-Line
The single most useful job for a closing disclosure CD calculator is reconciling your final CD against the Loan Estimate (LE) you received three business days into your loan application. The CFPB's "Compare your Loan Estimate to your Closing Disclosure" tool maps every CD line back to the LE line you should compare it against. Pay attention to these flags: (1) Section A origination fees rose more than $0 (zero-tolerance violation — lender must refund the difference); (2) Section B/C third-party shopped services rose more than 10% in aggregate (cumulative tolerance violation — lender refunds excess); (3) APR moved more than 0.125% on a fixed-rate loan (TRID clock restarts, closing delays 3+ business days); (4) Total cash-to-close exceeds the LE estimate by more than $1,000 without a corresponding explanation (request a written reason in writing before signing). This calculator's section-by-section output gives you the comparison data; print both the CD and LE to physical paper and check off matched amounts as you go. Don't sign the CD until every line reconciles or the lender explains the variance.
Sections A through L Explained
Section A covers origination charges including discount points. Sections B-C cover third-party services (appraisal, title, credit). Section E is government recording fees and transfer taxes. Sections F-G are prepaid interest, insurance, and initial escrow deposits. Section L lists seller and lender credits that reduce your cash to close. Always cross-check Section A against your Loan Estimate — zero tolerance applies.