Make it yours
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PAGE 1
Get your details together
PART 1 · Use your latest Loan Estimate and Closing Disclosure. Confirm your required review period with your lender and raise questions before signing.
Terms and dollars
- Document date
- Loan amount ($)
- Loan term / type
- Interest rate (%)
- Principal & interest ($/month)
- Mortgage insurance ($/month)
- Estimated escrow ($/month)
- Estimated total monthly payment ($)
- Total closing costs ($)
- Cash to close ($)
- Lender / seller credits ($)
- APR (%)
PAGE 2
Plan your next step
PART 2 · Check the details behind the numbers. Some changes may be valid; ask for an explanation and correction of any errors.
Before signing, confirm
- Names, property details and loan information are correct.
- Rate-lock terms and any changes are explained.
- I understand any adjustable rate, balloon or prepayment penalty.
- I know which taxes, insurance and dues I must pay outside escrow.
- Points, lender fees, credits and third-party charges are explained.
- Deposits and agreed seller credits are reflected correctly.
- I understand late fees, payment dates and servicing contact details.
- Unresolved questions have an owner and an agreed next step.
Resolve before closing
- Difference / explanation requested
- Who will respond? / follow-up date
Cash to close is not the same as closing costs. It also reflects the down payment, deposits, credits and other adjustments.
Sources and context
Educational content; not a loan approval or credit offer. Confirm requirements for your situation with your lender. Sources checked September 10, 2026.