Free Closing Disclosure comparison
Why Did My Cash to Close Change?
Compare the Loan Estimate and Final columns on your Closing Disclosure. Enter the figures shown to see how their changes add up—and what remains unexplained.
Educational comparison of numbers you enter. This does not verify your documents or replace the amount confirmed by your lender or settlement professional.
1 · Check your documents
Use one Closing Disclosure
This comparison supports a U.S. home purchase with one mortgage and the standard buyer Calculating Cash to Close table. Copy its Loan Estimate and Final columns. Both totals must be zero or due from you, and Funds for Borrower must be explicitly $0 in both columns.
Stop here if any of these apply:
- Refinance, construction or renovation financing, second loan, assumption, alternative disclosure table, seller disclosure, or money payable to the borrower.
- Different homes, lenders, or transactions; two standalone Loan Estimates; two Closing Disclosures; informal worksheets; or a calculator estimate compared with a disclosure.
- Uncertain source columns or signs, figures assembled from receipts, or nonzero Funds for Borrower.
Understand the figures
- Why cash to close can change: a worked example
- Earnest money, down payment, and cash to close
- Prepaids and escrow at closing
- Cash Needed calculator for earlier planning
Source: CFPB Closing Disclosure explainer. This tool compares entered arithmetic; it does not assess fee legality, loan approval, affordability, refund rights, or which mortgage to choose.