Quick Answer
Your lender must send you the Closing Disclosure at least three business days before closing so you have time to review it against your earlier Loan Estimate. Compare the two side by side and flag any number that jumped.
- Delivered by
- Your mortgage lender
- When
- At least 3 business days before closing
- Compare against
- Your Loan Estimate
- Length
- 5 pages
What's Inside the Closing Disclosure
The form breaks out your loan amount, interest rate, monthly payment, and every closing cost line item, from lender fees to title charges and prepaid escrow. It also shows your total cash to close so there are no surprises at the table.
Because Indiana closings are typically run by a title company rather than an attorney, your closing agent or lender coordinates getting this document to you on time.
Why the Three-Day Window Matters
Federal rules require the three-business-day review period so you are not handed surprise numbers minutes before signing. If key terms change significantly after that, the clock can reset and push closing back.
Our agents recommend reviewing the Closing Disclosure line by line as soon as it arrives and asking your lender about any figure that does not match your Loan Estimate.
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Frequently Asked Questions — Closing disclosure
What's the difference between a Loan Estimate and a Closing Disclosure?
The Loan Estimate is an early preview of your likely costs; the Closing Disclosure shows your actual, final numbers shortly before closing.
Can numbers still change after I get the Closing Disclosure?
Small changes can happen, but significant increases in certain fees can trigger a new three-day review period.
Who sends the Closing Disclosure?
Your mortgage lender prepares and delivers it, though your agent and title company can help you interpret it.
What should I check first?
Compare the loan amount, interest rate, monthly payment, and total closing costs against your Loan Estimate.