When do I get a Closing Disclosure?

Read your Closing Disclosure carefully. It tells you how much you will pay for your loan. Our interactive sample Closing Disclosure helps you double-check the details and get definitions for terms used on the form.

Note: You will not receive a Loan Estimate or Closing Disclosure if you are shopping for:

• A reverse mortgage
• A home equity line of credit (HELOC)
• A manufactured housing or mobile home loan not secured by real estate
• A subordinate loan through certain types of homebuyer assistance programs

For these kinds of loans, you should receive Truth-in-Lending disclosures. If you are shopping for a reverse mortgage, you will also receive a Good Faith Estimate (GFE) and a HUD-1 or HUD-1A Settlement Statement. Lenders are not required to send you these closing documents in advance of closing. However, if you request to see a copy of your HUD-1, you can review it at least one business day before closing.

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