Your Closing Disclosure must match your Loan Estimate within strict federal TRID tolerance limits. Some fees can't increase at all. Others can rise by no more than 10%. If your lender exceeded those limits, they may owe you a refund. This guide explains exactly how to compare these two documents line by line and what to do when numbers don't match.
The Loan Estimate (LE) is a 3-page document your lender provides within 3 business days of your mortgage application. It shows estimated loan terms and projected closing costs. The Closing Disclosure (CD) is the 5-page final version you receive at least 3 business days before closing, reflecting actual costs.
The LE uses the same general format as the CD, which makes comparison straightforward — but the page numbering differs. Page 2 of your LE corresponds to Page 2 of your CD for closing cost line items. The loan terms summary on Page 1 of each document should be compared carefully, especially the interest rate, monthly payment, and whether your rate is fixed or adjustable.
TRID's zero-tolerance category covers fees that were known at the time of the Loan Estimate and are entirely within the lender's control. If any of these increased between your LE and CD, your lender is required to refund the difference — this is called a 'cure.'
See how this applies to your specific fees
Upload your Closing Disclosure for a personalized analysis in 60 seconds.
This category covers fees for third-party services where you were permitted to shop but chose a provider from the lender's list. The total of all 10%-tolerance fees on the CD cannot exceed the total on the LE by more than 10%.
Individual fees within this group can change — but if the combined increase exceeds 10%, the lender must cure the overage within 3 calendar days of closing. Common fees in this category include recording fees, title services (when you used the lender's recommended provider), and required pest inspections.
First, document the discrepancy in writing. Compare the specific line items on Page 2 of both documents and calculate the overage. Then email your loan officer with the specific fee names, the LE amount, the CD amount, and a request for a cure before closing.
If the lender disputes the violation, request their written explanation. Most lenders resolve legitimate TRID violations quickly — they carry regulatory risk for violations that go uncured. If the lender refuses, you can file a complaint with the CFPB at consumerfinance.gov/complaint or contact your state's banking regulator.
Don't delay closing over small disputed amounts if you have a rate lock expiring. Request the cure, document the lender's response, and you can pursue a refund after closing if needed.
A Loan Estimate (LE) is a 3-page document provided within 3 business days of your mortgage application showing estimated costs. A Closing Disclosure (CD) is the final 5-page document sent at least 3 business days before closing with actual costs. The CD must stay within TRID tolerance limits compared to the LE.
TRID rules set three tolerance categories: zero tolerance (fees that cannot increase at all, like origination charges and transfer taxes), 10% cumulative tolerance (third-party services the lender selected for you), and unlimited tolerance (services you shopped for and prepaid interest). If a lender exceeds these limits, they must refund the difference.
Compare specific line items on Page 2 of both documents. Calculate whether increases fall within TRID tolerance limits. If they exceed tolerance, email your loan officer with the fee names, LE amounts, CD amounts, and a request for a cure. Lenders are required to refund overages that violate TRID rules.
If you have a rate lock, your interest rate should not change. If you don't have a rate lock, it can change based on market conditions. Always confirm your rate lock status and expiration date before closing.
Find out which fees to push back on.
Upload your Closing Disclosure now and get instant, personalized results — including which of your specific fees are negotiable.
From $29