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 Loan Estimate.
Analysis Report
3 issues flagged
Underwriting Fee
↑ $450 vs. Loan Estimate
$1,295
Junk FeeOwner's Title Insurance
Above typical state rate
$2,450
ReviewAppraisal Fee
Matches Loan Estimate exactly
$550
VerifiedPotential overcharges: $1,700–$2,400
4.7M
Home closings per year in the US
3 days
Federal law mandates this review window
40–60
Line items on the average closing
Eight categories of fees. Every one examined.
Your Closing Disclosure is a federally standardized 5-page form — but knowing which tolerances apply requires deep familiarity with TRID rules.
- check_circleLE vs CD Discrepancy Check
- check_circleCompliance Violation Alerts
- check_circleLender Talking-Point Script
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, and settlement agent fees 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 — identified and explained.
Prepaids & Escrow
Prepaid interest, homeowner's insurance, and property tax escrow calculations verified for accuracy.
Property Tax Prorations
Closing day proration math verified against your closing date. Errors here can cost hundreds of dollars.
Lender Credits
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.
The Forensic Report
We don't just scan — we cross-reference every line against federal TRID rules and flag precisely where you may be overpaying.
- check_circleLE vs CD Discrepancy Check
- check_circleTRID Tolerance Violation Alerts
- check_circlePriority Action Scorecard
Analysis Report
Sample — Illustration Only
Underwriting Fee
LE listed this at $845. Lender origination charges cannot increase under TRID. This $450 increase exceeds the zero-tolerance threshold.
Document Preparation Fee
Does not correspond to a clearly defined service. CFPB guidance identifies "document preparation" as a common junk fee category.
Appraisal Fee
LE listed at $525. A $25 increase is 4.8% — within the allowable 10% tolerance limit for this category.
Estimated potential savings: $1,700–$2,400
Get My Analysis →A simple path to certainty.
Pay & Upload
Complete your $197 payment and upload your Closing Disclosure PDF on the secure intake form.
AI Analysis
Our system applies federal TRID rules to every line of your document — flagging discrepancies and potential overcharges.
Report Delivered
A plain-English report lands in your inbox in minutes — flagged fees highlighted, lender talking points included.
One analysis. One price.
No subscription. No follow-up fees. You're buying a home, not another monthly charge.
Complete Closing Disclosure Analysis
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Common questions.
What is a Closing Disclosure?expand_more
A Closing Disclosure is the federally required 5-page document your lender must provide at least 3 business days before closing. It contains every fee, charge, and credit associated with your mortgage — and it's legally binding.
How quickly will I receive my analysis?expand_more
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.
Is this legal advice?expand_more
No. Closing Disclosure Clarity provides general educational analysis — not legal advice, not financial advice. If a fee appears problematic, we provide plain-English context and suggested questions for your lender.
Is my document secure?expand_more
Your document is transmitted securely via encrypted upload and used solely to generate your analysis. We do not store, share, or sell your personal financial documents.
Don't sign until you have Clarity.
A home is the largest purchase you will ever make. Ensure every dollar in your closing costs is legitimate and compliant.
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