← All workflows

Closing Disclosure

Draft TRID-Compliant Closing Disclosures in Minutes

12 minutes with CaseMark

Fast lane

We have it from here.

Choose the fast one-off run here, or jump into the workspace when you want saved history, revisions, and a fuller matter workflow.

Run this once here

Best for a quick one-off job. Add your email, upload the files, and we'll run the workflow and send the result to your inbox.

1. Add your email so we know where to send the result.

2. Upload the files you want analyzed.

3. Run the workflow and we'll take it from there.

Use in Workspace

Best for ongoing matters

Save and reopen matters, keep documents together, refine the output, rerun with changes, and export or share polished work product when you're done.

Open in Workspace

Need more context?

Scroll for the workflow details below if you want to review what this run handles, what documents help, and what the output looks like.

If this is part of a live matter, the workspace is the better fit: you can keep your documents together, revisit the result, and keep working without starting from scratch.

Jump to detailsOpen in Workspace

Start here

Run this workflow now

Best for a fast one-off run. Add your email, upload the files, and we'll deliver the result without sending you into the full app.

Workflow

Closing Disclosure

Step 1 · Deliver to

Step 3 · Run this workflow

Workflow

Closing Disclosure

Overview

CaseMark's Closing Disclosure skill automates the drafting and review of TRID-compliant U.S. residential Closing Disclosures. It assembles all five pages of CFPB Form H-25, performs Loan Estimate comparisons with tolerance bucket classification, and produces a comprehensive compliance review memo—turning hours of manual assembly into a streamlined, AI-powered workflow.

Preparing a TRID-compliant Closing Disclosure requires assembling data from dozens of sources, manually comparing every fee against prior Loan Estimates, classifying tolerance buckets, and checking for re-disclosure triggers—all under tight closing deadlines. A single missed variance or misclassified fee can result in regulatory penalties, closing delays, or tolerance cure payments.

CaseMark automates the entire Closing Disclosure workflow by ingesting your transaction documents, assembling a complete CFPB Form H-25, and running a comprehensive compliance analysis. The AI compares every line item against issued Loan Estimates, classifies tolerance buckets, flags re-disclosure triggers, and generates a detailed compliance memo so your team can close with confidence.

How it works

  1. 1. Upload your Loan Estimates, title commitments, payoff letters, and transaction details

  2. 2. AI assembles a complete five-page Closing Disclosure and compares it against all issued Loan Estimates

  3. 3. Review flagged tolerance variances, re-disclosure triggers, and state-specific compliance issues

  4. 4. Export the finalized Closing Disclosure and compliance memo in your preferred format (DOCX, PDF)

What you get

  • Five-Page Closing Disclosure (CFPB Form H-25)

  • Loan Estimate vs. Closing Disclosure Comparison

  • Tolerance Bucket Classification Summary

  • Re-Disclosure Trigger Analysis

  • Cash-to-Close Reconciliation

  • Compliance Review Memo with Issue List

What it handles

  • Assembles all five pages of CFPB Form H-25 Closing Disclosure

  • Compares CD figures against Loan Estimates and flags variances

  • Classifies fees into zero, 10% cumulative, and unlimited tolerance buckets

  • Identifies re-disclosure triggers and changed-circumstance events

  • Generates a detailed compliance review memo with issue flagging

  • Applies state-specific overlays for transfer taxes and closing rules

Required documents

  • Loan Estimate(s)

    All Loan Estimates issued for the transaction, including the most recent valid LE used as the comparison baseline

    .pdf, .docx

  • Title Commitment

    Title commitment showing title insurance premiums, endorsements, and exception items

    .pdf, .docx

  • Transaction Summary

    Key transaction details including deal type, parties, loan terms, closing timeline, and rate-lock information

    .pdf, .docx, .xlsx

Supporting documents

  • Payoff Letter(s)

    Payoff statements for existing liens being satisfied at closing

    .pdf, .docx

  • Settlement Agent Fee Sheet

    Itemized settlement agent charges and third-party service fees

    .pdf, .docx, .xlsx

  • Prior Closing Disclosure Drafts

    Any previously issued or draft CDs for comparison and re-disclosure analysis

    .pdf, .docx

  • ALTA Settlement Statement

    ALTA settlement statement if the transaction also requires one for reconciliation purposes

    .pdf, .docx

Why teams use it

Reduce CD preparation time from hours to minutes with automated five-page assembly

Catch tolerance violations and re-disclosure triggers before they become costly compliance failures

Ensure state-specific accuracy with built-in overlays for transfer taxes, doc stamps, and local closing rules

Deliver role-appropriate outputs whether you're the lender, settlement agent, or representing a party

Questions

What types of transactions does this skill support?

CaseMark's Closing Disclosure skill supports purchases, refinances, construction-to-permanent loans, assumptions, and modifications. It automatically adjusts the CD format and compliance checks based on your deal type.

How does the skill handle Loan Estimate comparisons?

CaseMark compares every fee on the Closing Disclosure against the most recent valid Loan Estimate, classifying each into the correct TRID tolerance bucket (zero, 10% cumulative, or unlimited). Variances that exceed tolerance thresholds are flagged immediately.

Does it account for state-specific closing requirements?

Yes. CaseMark applies state overlays for transfer taxes, documentary stamps, attorney-closing rules, and other jurisdiction-specific requirements so your Closing Disclosure reflects local compliance obligations.

Can I use this if I'm borrower's counsel rather than the lender?

Absolutely. CaseMark adapts its output based on your role—lender, settlement agent, borrower's counsel, or seller's counsel. Attorney roles receive an issue list and client-facing summary rather than a lender-signed CD.

How does the skill handle re-disclosure triggers?

CaseMark analyzes your transaction timeline and fee changes to identify events that require a corrected Closing Disclosure, such as changed circumstances, tolerance cures, or rate-lock expirations, and flags them in the compliance memo.

Does this replace my compliance team's final review?

CaseMark is designed to accelerate and enhance your compliance workflow, not replace professional judgment. It drafts the CD, performs the comparison analysis, and surfaces issues so your team can focus on resolving them rather than assembling data manually.

Related

Access and Indemnity Agreement (Due Diligence)

Draft Property Access Agreements in Minutes with AI

Access Indemnity Agreement

Draft Access & Indemnity Agreements in Minutes

Ad Fund Agreement

Draft Ad Fund Agreements in Minutes, Not Hours