Free Closing Disclosure Analyzer

A Closing Disclosure has 5 pages and over 100 individual data points. This tool reads the form and extracts all sections: loan terms, projected payments, costs at closing, loan costs (origination, discount points, services), other costs (taxes, prepaids, initial escrow), cash to close calculations, and the summaries of transactions for both borrower and seller. It runs TRID 3-tier tolerance verification (0% tolerance items like transfer taxes, 10% tolerance items like title services you could not shop for, and unlimited tolerance items like prepaid interest) and flags any amounts that exceed regulatory thresholds. It does not compare the CD against a Loan Estimate (that requires two documents). For comparing two documents, try the Redline Comparison tool.

Mortgage loan officers and closing coordinators use this to verify a Closing Disclosure against the Loan Estimate before sending it to the borrower. Real estate attorneys review CDs as part of their closing checklist. Instead of comparing 40+ line items across two documents manually, you upload the CD and get a structured breakdown with tolerance checks already applied.

Reviewing a Closing Disclosure line by line and verifying TRID tolerances takes 20 to 35 minutes for an experienced closing coordinator. First-year associates or new loan officers take longer because they need to look up which items fall into which tolerance tier. This tool classifies every item automatically.

Common use cases

• Pre-closing review: verify all CD amounts and tolerance checks before the 3-business-day disclosure deadline
• TRID compliance audit: flag any costs that exceed 0% or 10% tolerance thresholds against regulatory limits
• Closing cost analysis: extract all buyer and seller charges for reconciliation against the settlement statement

The workspace handles your entire closing pipeline. Create a free Eudoxic workspace to upload all CDs and compare cost patterns across transactions.