| name | closing-disclosure |
| title | Closing Disclosure |
| description | Drafts and reviews TRID-compliant U.S. residential Closing Disclosures, assembling all five pages of CFPB Form H-25, comparing to Loan Estimates, classifying tolerance buckets, flagging re-disclosure triggers, and producing a compliance review memo. Use when working with closing disclosures, CDs, TRID, Regulation Z, LE comparison, tolerance cures, cash-to-close reconciliation, settlement statements, or pre-consummation closing compliance review. Defers tolerance math to closing-disclosure-tolerance and timing math to closing-disclosure-timing-reference. |
| author | CaseMark |
| author_url | https://github.com/CaseMark/skills/tree/main/skills/legal/closing-disclosure |
| license | Apache-2.0 |
| version | 0.1.0 |
| execution_mode | open |
| jurisdiction | us |
| practice | finance |
| language | en |
| tags | ["transactional","regulatory","drafting","analysis"] |
Closing Disclosure
Produce a complete five-page Closing Disclosure per CFPB Form H-25 and a compliance review memo. The skill describes the work; specialized math and timing rules live in dedicated sibling skills.
Related skills
closing-disclosure-tolerance — full TRID tolerance bucket math (zero / 10% cumulative / unlimited), changed-circumstance gating, cure calculation. Defer here for tolerance computations.closing-disclosure-timing-reference — 3-business-day waiting period rules, deemed-receipt math, federal-holiday exclusion. Defer here for timing computations.cd-tolerance-reference and trid-tolerance — supporting reference material on tolerance edge cases.alta-settlement-statement — when the deal also produces an ALTA Settlement Statement (cash, commercial, certain assumptions); reconcile both.closing-checklist and ma-closing-checklist — broader pre-closing deliverables; the CD plugs into these.loan-modification-agreement — when the matter is a modification rather than a purchase or refinance.seller-disclosure, title-commitment — companion documents commonly in scope when reviewing the file.
Checkpoint A: pre-draft intake (mandatory)
Confirm before drafting or reviewing:
- Role. Lender, settlement agent, borrower's counsel, seller's counsel — the deliverable shape differs by role. Attorney roles produce an issue list and client summary, not a lender-signed CD.
- Deal type. Purchase / refinance / construction-perm / assumption / modification. TRID coverage and CD requirements vary.
- State. Pulls in state overlays (transfer taxes, attorney-closing rules, doc stamps). See
references/STATE-OVERLAYS.md.
- Loan Estimate(s). All LEs issued, with issue dates. The most recent valid LE is the comparison baseline.
- Closing timeline. Rate-lock date and expiration, intended consummation date, CD issue/delivery dates.
- Source documents. Title commitment, payoff letters, insurance binder, tax bill, HOA estoppel (if applicable), survey (if required).
- Jurisdiction-specific overlays. State and county-level disclosures, fee structures, and attorney involvement rules.
If any of items 4–6 is unavailable, do not finalize — produce a partial draft with markers and surface the gaps in the review memo.
