Can the lender increase fees between Loan Estimate and Closing Disclosure?

Lender fees in Section A (origination charges) cannot increase at all. Third-party fees in Section B can increase by up to 10%. Fees in Section C (services you can shop for) have no tolerance limit and can change.

What happens if I find errors on the Closing Disclosure?

Contact your lender immediately and request corrections. You can delay closing if necessary. The lender must provide a corrected Closing Disclosure, and if the APR changes by more than 0.125%, a new 3-day waiting period begins.

How long do I have to review the Closing Disclosure?

You must receive the Closing Disclosure at least 3 business days before closing. Business days include Mondays through Saturdays (excluding Sundays and federal holidays). Use this time to compare it carefully with your Loan Estimate.

Loan Estimate vs. Closing Disclosure: How to Compare

⚡ Quick Answer

Compare your Loan Estimate (received within 3 days of application) with the Closing Disclosure (received 3+ days before closing) line by line. Lender fees in Section A cannot increase. Third-party fees in Sections B and C can change by up to 10%. If total costs increased by more than 10%, demand an explanation.

🔑 Key Takeaways

Loan Estimate comes first (within 3 days of application)
Closing Disclosure comes last (3+ business days before closing)
Section A fees (lender charges) cannot increase at all
Sections B/C fees can change by up to 10%
Prepaids and escrow can change based on actual costs
If the APR changes by 0.125%+, the 3-day waiting period resets

Comparing your Loan Estimate (LE) with your Closing Disclosure (CD) is critical — it is how you catch overcharges and errors before it is too late. ## What Can Change vs. What Cannot | Section | Can It Change? | Tolerance | |---|---|---| | A. Origination Charges | No | 0% tolerance | | B. Services You Cannot Shop For | Limited | 10% tolerance | | C. Services You Can Shop For | Yes | No tolerance limit | | E. Taxes and Government Fees | Limited | 10% tolerance | | F. Prepaids | Yes | No tolerance limit | | G. Initial Escrow | Limited | 10% tolerance | ## Red Flags to Watch For - Lender fees increased from the LE - New fees that were not on the LE - Interest rate changed without your agreement - Loan amount is different - Monthly payment is higher than expected ## What to Do If You Find Discrepancies 1. Contact your loan officer immediately 2. Request a written explanation for every increase 3. Negotiate — lender fees should not change 4. You can delay closing to resolve issues 5. File a complaint with the CFPB if the lender is unresponsive ## Related Resources - [Closing Disclosure Explained](/blog/closing-disclosure-explained) — Line-by-line walkthrough - [Closing Cost Negotiation](/blog/closing-cost-negotiation) — Address discrepancies - [Closing Cost Calculator](/#calculator) — Verify the numbers

❓ Frequently Asked Questions

Can the lender increase fees between Loan Estimate and Closing Disclosure?
Lender fees in Section A (origination charges) cannot increase at all. Third-party fees in Section B can increase by up to 10%. Fees in Section C (services you can shop for) have no tolerance limit and can change.
What happens if I find errors on the Closing Disclosure?
Contact your lender immediately and request corrections. You can delay closing if necessary. The lender must provide a corrected Closing Disclosure, and if the APR changes by more than 0.125%, a new 3-day waiting period begins.
How long do I have to review the Closing Disclosure?
You must receive the Closing Disclosure at least 3 business days before closing. Business days include Mondays through Saturdays (excluding Sundays and federal holidays). Use this time to compare it carefully with your Loan Estimate.

Loan Estimate vs. Closing Disclosure: How to Compare

⚡ Quick Answer

🔑 Key Takeaways

❓ Frequently Asked Questions

📊 Estimate Your Closing Costs