The loan process
Closing Disclosure
Also called: CD
In short
The Closing Disclosure is the final statement of your loan's terms and costs, provided at least three business days before closing so you can review it.
The Closing Disclosure is the five-page form that states your loan's final terms — rate, monthly payment, and every closing cost — in the same structure as the Loan Estimate you received earlier.
Federal rules require you to have it at least three business days before closing. That window exists so you can compare it against your Loan Estimate and question anything that changed before you sign.
Certain changes can reset that three-day clock, so reviewing the document promptly keeps your closing on schedule.
Related
Current as of August 2026.