You have 3 business days to review

Every fee on your
Closing Disclosure
decoded before you sign.

Upload your federally standardized Closing Disclosure and receive a plain-English, line-by-line analysis flagging junk fees, TRID discrepancies, inflated title charges, and anything that doesn't match your original Loan Estimate.

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One-time payment | Results in minutes | No subscription
Closing Disclosure Analysis 3 issues flagged
Section A — Origination Charges
Origination fee (1%)
$4,800 Within tolerance
Underwriting fee
$1,295 ↑ $450 vs LE
Processing fee
$795 Review
Section B — Title Services
Title search
$350 Market rate
Owner's title insurance
$2,450 Above typical
Potential overcharges identified
$1,700 – $2,400
2 fees exceed TRID tolerance thresholds. Review recommended before signing.
🏠 4.7 million home closings happen every year in the US ⏱ Federal law gives you 3 business days to review your Closing Disclosure 📋 The average closing has 40–60 individual line items

What we check

Eight categories of fees.
Every one examined.

Your Closing Disclosure is a federally standardized 5-page form — but knowing which numbers matter and which tolerances apply requires deep familiarity with TRID rules.

🏦

Origination & Lender Fees

Underwriting, processing, and application fees cross-checked against your Loan Estimate for TRID tolerance compliance.

📋

TRID Tolerance Violations

Some fees can't increase at all. Others can increase up to 10%. We flag everything that moved outside federal limits.

🔍

Title Insurance & Settlement

Title search, title insurance, settlement agent fees, and notary charges analyzed against typical market rates for your state.

💰

Junk Fee Detection

Administrative fees, document prep fees, courier fees, and other charges with no clear service behind them — identified and explained.

📅

Prepaids & Escrow

Prepaid interest, homeowner's insurance, and property tax escrow calculations verified for accuracy and reasonableness.

🏡

Property Tax Prorations

Closing day proration math verified against your closing date. Incorrect prorations can mean hundreds of dollars leaving your pocket.

🎁

Lender Credits Not Applied

If you were promised lender credits on your Loan Estimate, we verify they appear correctly on your Closing Disclosure.

⚖️

Cash-to-Close Verification

Your final cash-to-close traced back line-by-line. Unexplained increases from your Loan Estimate flagged for immediate review.

How it works

From upload to answers
in minutes.

1

Pay & Upload

Complete your $197 payment and upload your Closing Disclosure PDF on the secure intake form.

2

AI Analysis

Our system applies federal TRID rules and current market data to every line of your document.

3

Report Delivered

A plain-English HTML report lands in your inbox — flagged fees highlighted, explanations included.

4

You Decide

Armed with a clear picture, you can challenge fees with your lender or proceed confidently to closing.

Your report includes

Everything you need before you sign.

A complete analysis of your Closing Disclosure with plain-English explanations for every flagged item.

  • 🚩
    Fee-by-fee classification Every charge labeled OK, Flagged, or Review — with a plain-English explanation of why.
  • 📊
    Loan Estimate comparison Side-by-side delta showing exactly which fees changed from your original LE and by how much.
  • 📝
    Talking points for your lender Specific, professional language you can use to question flagged fees before your closing date.
  • ✅
    Summary scorecard Estimated range of recoverable overcharges and priority action items ranked by impact.
Sample report excerpt Illustration only
🚩 Flagged — TRID Tolerance Issue
Underwriting Fee: $1,295
Your Loan Estimate listed this fee at $845. Under TRID rules, lender origination charges cannot increase from the Loan Estimate to the Closing Disclosure. This $450 increase appears to exceed the zero-tolerance threshold. Best practice suggests requesting a written explanation from your lender before closing.
$450 potential overcharge
⚠️ Review Recommended
Document Preparation Fee: $295
This fee does not correspond to a clearly defined service. CFPB guidance indicates "document preparation" is often cited as a junk fee category. Your lender should be able to provide specific justification if asked.
✓ Appears Within Tolerance
Appraisal Fee: $550
This fee was disclosed on your Loan Estimate at $525. Appraisal fees fall in the 10% tolerance category. A $25 increase represents a 4.8% change — within the allowable limit.

Pricing

One analysis. One price.

No subscription. No follow-up fees. You're buying a home, not another monthly charge.

Complete Closing Disclosure Analysis
$197
One-time payment · No recurring charges
Full line-by-line fee analysis
TRID tolerance violation check
Loan Estimate comparison
Junk fee identification
Title insurance review
Property tax proration check
Lender credit verification
Lender talking-point script
Priority action scorecard
Delivered by email within minutes
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🔒 Secure payment via Stripe 📧 Results delivered by email 📄 Works with any CD format

Common questions

What buyers ask us.

What is a Closing Disclosure?
A Closing Disclosure (CD) is the federally required 5-page document your lender must provide at least 3 business days before your closing. It contains every fee, charge, and credit associated with your mortgage — and it's legally binding. Under TRID (the TILA-RESPA Integrated Disclosure rule), certain fees cannot change from your Loan Estimate without your consent or a valid change of circumstance.
How quickly will I receive my analysis?
Most reports are delivered to your inbox within minutes of uploading your document. Your 3-day review window is short — we built this system to work fast.
What format does my document need to be in?
A standard PDF is preferred. Almost all Closing Disclosures are issued as PDFs by lenders. If yours was sent as a scanned image, the analysis may be less precise but will still work for most documents.
Do I need to include my Loan Estimate too?
No — but if you have it, there is a notes field in the intake form where you can include key figures from your LE. Our analysis will reference TRID tolerance rules even without the original LE, and flag fees that commonly exceed tolerances or market norms.
Is this legal advice?
No. Closing Disclosure Clarity provides general educational analysis of your closing document — not legal advice, not financial advice, and not a substitute for consultation with a qualified real estate attorney. If a fee appears problematic, we provide plain-English context and suggested questions for your lender, not legal directives.
Is my document secure?
Your document is transmitted securely via encrypted upload and is used solely to generate your analysis. We do not store, share, or sell your personal financial documents.
What if my lender says everything is fine?
Lenders are not always wrong — and not every flagged item is an error. Our analysis gives you the vocabulary and context to ask informed questions. Many buyers successfully negotiate or correct fees simply by knowing which ones to ask about. Whether you act on the report is entirely your decision.