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Closing Disclosure

Draft TRID-Compliant Closing Disclosures in Minutes

12 minutes with CaseMark

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12 minutes with CaseMark

What you'll need

  • Loan Estimate(s)
  • Title Commitment
  • Transaction Summary

SOC 2 Type II · HIPAA compliant · $5 free credit

Workflow

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 work into a streamlined, AI-powered workflow.

Preparing and reviewing Closing Disclosures is one of the most error-prone tasks in residential real estate closings. Manually comparing figures against Loan Estimates, classifying dozens of fees into the correct tolerance buckets, and tracking re-disclosure triggers across changing timelines creates significant compliance risk and consumes hours of skilled professional time per transaction.

CaseMark automates the entire Closing Disclosure workflow—from assembling all five pages of the CFPB form to running Loan Estimate comparisons, classifying tolerance buckets, and flagging re-disclosure triggers. The AI applies state-specific overlays and produces a detailed compliance review memo, giving your team a thorough, audit-ready deliverable in a fraction of the time.

How it works

  1. 1. Upload your Loan Estimates, title commitments, payoff letters, and other closing file documents

  2. 2. AI assembles the five-page Closing Disclosure, compares figures to Loan Estimates, and classifies tolerance buckets

  3. 3. Review flagged variances, re-disclosure triggers, and the compliance memo

  4. 4. Export the completed Closing Disclosure and review 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 Flags

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

  • Reconciles cash-to-close figures across all parties

  • Generates a detailed compliance review memo with issue flags

Required documents

  • Loan Estimate(s)

    All Loan Estimates issued for the transaction, with issue dates, used as the comparison baseline for tolerance analysis

    .pdf, .docx

  • Title Commitment

    Title commitment showing title insurance premiums, endorsements, and title-related fees

    .pdf, .docx

  • Transaction Summary

    Settlement data including purchase price, loan terms, closing date, party information, and fee schedules

    .pdf, .docx, .xlsx

Supporting documents

  • Payoff Letter(s)

    Payoff statements for existing liens being satisfied at closing

    .pdf, .docx

  • ALTA Settlement Statement

    If the transaction also produces an ALTA Settlement Statement, upload for cross-reconciliation

    .pdf, .docx

  • State-Specific Addenda

    Any state-required closing addenda, transfer tax forms, or supplemental disclosure documents

    .pdf, .docx

  • Rate Lock Confirmation

    Rate lock agreement showing lock date, expiration, and locked terms for timeline analysis

    .pdf, .docx

Why teams use it

Eliminate manual assembly of five-page Closing Disclosures with AI-powered drafting that follows CFPB Form H-25 precisely

Catch tolerance violations and re-disclosure triggers before closing with automated Loan Estimate comparison and variance analysis

Reduce compliance risk with state-specific overlays and systematic fee classification into the correct tolerance buckets

Free up hours of attorney and paralegal time per transaction with instant compliance review memos and issue flagging

Questions

What version of the Closing Disclosure form does CaseMark produce?

CaseMark generates Closing Disclosures based on CFPB Form H-25, the standard five-page format required under the TILA-RESPA Integrated Disclosure (TRID) rule. The output follows current Regulation Z requirements for U.S. residential mortgage transactions.

Does CaseMark handle Loan Estimate comparisons and tolerance analysis?

Yes. CaseMark automatically compares your Closing Disclosure figures against the most recent valid Loan Estimate, classifies each fee into the appropriate tolerance bucket (zero, 10% cumulative, or unlimited), and flags any variances that may require a cure or re-disclosure.

Can CaseMark account for state-specific closing requirements?

CaseMark incorporates state overlays including transfer taxes, documentary stamps, attorney-closing rules, and other jurisdiction-specific requirements. Simply specify the state during intake and the AI applies the relevant rules.

What deal types does this skill support?

CaseMark supports purchase, refinance, construction-to-permanent, assumption, and modification transactions. The AI adjusts the Closing Disclosure format and compliance checks based on the specific deal type you select.

Is the output a final, lender-signed Closing Disclosure?

The output depends on your role. For lenders and settlement agents, CaseMark produces a draft CD ready for final review and execution. For attorneys representing borrowers or sellers, it generates an issue list and client summary rather than a lender-signed document.

How does CaseMark handle re-disclosure triggers?

CaseMark analyzes your transaction timeline and fee changes to identify events that trigger a re-disclosure obligation under TRID, such as changed circumstances, rate lock expirations, or tolerance violations. Each trigger is flagged with a clear explanation in the compliance review memo.

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