Also shopping for a mortgage? Check your Loan Estimate with Fair Loan Check
Check my Loan EstimateGet Started$2,100
The average Closing Disclosure has $2,100 in fees you don't have to accept.
Upload your Closing Disclosure — the 5-page form your lender sends 3 business days before closing — and we audit every closing cost against state-specific benchmarks, find junk fees, and write the negotiation email to your lender.
Full report with negotiation email: $49 · Quick check: $29
$2,100
Avg. savings found
87%
CDs with negotiable fees
60s
Upload to report
How it works
How to audit your closing costs in 60 seconds
1
Upload your Closing Disclosure
The 5-page form your lender emails you 3 days before closing. PDF format — drag and drop or click to browse.
2
Every fee gets audited in 60 seconds
Each fee is cross-referenced against our proprietary database of fair-market closing costs, state-specific title insurance rates and transfer tax rules, and federal TRID tolerance rules that limit how much fees can increase from your Loan Estimate.
3
Get your savings report + negotiation email
See which fees are padded, what they should cost, and how much you'll save. Then copy the ready-to-send email we draft for your lender.
Example report
What a closing cost analysis looks like
Sample report based on a $350,000 home purchase with a $280,000 conventional loan.
Fair Closing Check
Analysis Report · Sample
$2,340
potential savings
Document Preparation FeeJunk fee
Charged: $495→Fair price: $0Save $495
Lender's Title InsuranceInflated
Charged: $3,200→State benchmark: $1,860Save $1,340
Courier / Delivery FeeJunk fee
Charged: $85→Fair price: $0Save $85
Wire Transfer FeeInflated
Charged: $150→Actual cost: ~$15Save $135
Administrative FeeJunk fee
Charged: $285→Fair price: $0Save $285
Appraisal FeeFair
Charged: $475→Typical range: $350–$600Within range
Recording FeesFair
Charged: $125→Typical range: $50–$250Within range
Your negotiation email (preview):
Dear Loan Officer, I've reviewed my Closing Disclosure and have identified several charges I'd like to discuss before we proceed to closing. The $495 Document Preparation Fee appears to duplicate services already covered by the origination charge. The lender's title insurance premium of $3,200 exceeds the state benchmark of $1,860 for a loan of this size. Additionally, the $85 Courier Fee and $150 Wire Transfer Fee significantly exceed actual costs for these services. I'm requesting revised figures for these items before signing...
The negotiation email is included with the Full Report ($49). The Quick Check ($29) shows your top overcharges and total savings.
What we catch
Junk fees and overcharges we catch on your Closing Disclosure
Most homebuyers don't realize that many closing costs on their Closing Disclosure are negotiable. Lenders count on the complexity of the 5-page form to discourage scrutiny. We flag every overcharge — from junk fees like document preparation charges to inflated title insurance premiums that exceed state benchmarks.
Junk fees
Doc prep, admin charges, courier fees, wire fees — charges that pad profit with little actual service behind them.
Inflated title insurance
Title premiums are regulated in many states. We compare yours against state-specific benchmarks.
Above-market rates
Even a quarter-point reduction saves thousands over the life of your loan.
Escrow overcharges
Federal law limits your escrow cushion to 2 months. If they're collecting more, you're overpaying.
Origination padding
Origination above 1% of your loan amount deserves scrutiny — especially with discount points.
TRID violations
Some fees legally cannot increase from your Loan Estimate. If they did, your lender may owe you money.
Privacy
Your finances stay yours.
Never stored
Your document is processed in memory and deleted instantly. Never touches a database.
PII stripped
Names, addresses, and SSNs are removed before analysis. Only fee amounts and loan terms are reviewed.
Zero-training guarantee
Your data is contractually prohibited from being used for model training by any third party.
No account required
Upload. Pay. Get results. We don't need your email or phone number.
Pricing
Closing Disclosure audit pricing
A real estate attorney charges $500 or more to review your Closing Disclosure. Our closing cost audit tool does it in 60 seconds.
Quick Check
$29
one-time
- ✓Top 3 overcharges identified
- ✓Total potential savings calculated
- ✓Print-friendly results page
- ✗Overall deal assessment
- ✗Complete line-by-line fee audit
- ✗All overcharges with explanations
- ✗Ready-to-send negotiation email
- ✗Fair amount for every flagged fee
- ✗Interest rate vs. market assessment
- ✗Escrow cushion analysis
Most popular
Full Report
$49
one-time
Save $2,051+ on your closing costs
- ✓Overall deal assessment
- ✓Complete line-by-line fee audit
- ✓All overcharges with explanations
- ✓Ready-to-send negotiation email
- ✓Fair amount for every flagged fee
- ✓Interest rate vs. market assessment
- ✓Escrow cushion analysis
- ✓Print-friendly results page
A real estate attorney charges $500+ to review your closing costs. Fair Closing Check does it for $49 in 60 seconds.
Common questions
Common questions about closing costs and your Closing Disclosure
What is a Closing Disclosure?
A Closing Disclosure (CD) is a standardized 5-page form your mortgage lender must send you at least 3 business days before closing. It itemizes every fee you will pay at the closing table — origination charges, title insurance, recording fees, prepaid taxes, and insurance. It was created by the CFPB as part of the TRID rule, replacing the older HUD-1 Settlement Statement. Learn how to read it page by page →
Are closing costs negotiable?
Yes, many are. Lender fees like origination charges, processing fees, and underwriting fees can often be reduced or waived. You can also shop for lower prices on title insurance and settlement agent fees. Government fees — recording fees, transfer taxes — are set by law and cannot be negotiated. See which fees you can challenge →
What are junk fees on a mortgage?
Junk fees are vague or duplicative charges that pad lender profits without providing a real service. Common examples: document preparation fees, administrative fees, courier fees, and wire fees charged far above actual cost. They can add $500–$2,000+ to your closing costs. See the 15 most common junk fees →
How do I read my Closing Disclosure?
Page 1: loan terms and monthly payment. Page 2: all closing costs broken down by category (the most important page). Page 3: cash to close calculation. Page 4: loan disclosures. Page 5: total cost over the life of the loan. Compare Page 2 against your Loan Estimate — fee increases beyond TRID limits mean your lender may owe you a refund. Full page-by-page guide →
What is the difference between a Loan Estimate and a Closing Disclosure?
A Loan Estimate (LE) is the 3-page estimate your lender provides within 3 days of application. A Closing Disclosure is the final 5-page form with actual costs, sent 3 days before closing. Under TRID tolerance rules, certain fees cannot increase at all from LE to CD, others by no more than 10%. If your lender exceeded those limits, they must refund the difference. How to compare them → Still reviewing your Loan Estimate? Analyze it with Fair Loan Check →
How much does Fair Closing Check cost?
Quick Check is $29 (top 3 overcharges, total savings estimate). Full Report is $49 (complete line-by-line audit, ready-to-send negotiation email, fair amounts for every fee, interest rate and escrow analysis).
What is a document preparation fee?
A doc prep fee ($75–$600) is charged by lenders for preparing your loan documents. It's widely considered a junk fee because document preparation is already included in the origination charge. The CFPB has specifically called it out as an unnecessary closing cost. How to get it removed →
How much are average closing costs in 2026?
Typically 2–5% of the home price. On a $350,000 home, that's $7,000–$17,500. Costs vary dramatically by state — Washington D.C. averages over $17,000 while South Dakota averages ~$1,551. See the 2026 average for your state →
Guides
Learn more about closing costs
Are closing costs negotiable?How to read your Closing DisclosureJunk fees on a mortgageClosing Disclosure vs. Loan EstimateTRID tolerance rules explainedAverage closing costs by state (2026)How to negotiate closing costsWhat is a document preparation fee?Title insurance costs by stateFirst-time homebuyer closing costsHow to read your Loan EstimateIs my mortgage rate too high?Loan Estimate vs. Closing DisclosureHistorical mortgage rate chart (weekly)Browse all guides →In-depth closing cost articles →Closing costs by state & fee type →Which lenders have the lowest closing costs? (HMDA data) →
Closing Costs by State
Closing costs vary significantly by state.
Transfer taxes, title insurance rules, and attorney requirements differ dramatically depending on where you're buying. See what's typical — and what's negotiable — in your state.
You have 3 days. Make them count.
Your lender sent you a Closing Disclosure with fees their team carefully calculated. You have 72 hours to review it before you sign. Upload it now.
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