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Mortgage Closing Cost Review Kit
The short answer: The Loan Estimate quoted you one number. The Closing Disclosure asks you to sign another. This kit gives you the step-by-step guide, the worksheets, and the letter templates to do that work with your own documents, at your own pace.
This kit is for you if
- You're buying or refinancing a home with a mortgage, and you have, or will soon have, a Loan Estimate and/or a Closing Disclosure.
- You want to check every fee line against the federal tolerance rules before you sign, and ask documented questions about anything that doesn't add up.
- Other kinds of loans (auto, personal, student), different disclosure rules, different forms.
- Reverse mortgages or HELOCs, different forms entirely.
What is inside
- The guide (PDF, 105 pages): plain-English explanations, what to check and in what order, and where the common errors and deadlines live.
- The workbook (editable DOCX): the worksheets from the guide as fillable documents, so your numbers and evidence stay organized in one place.
- Letter templates (editable DOCX): written templates with bracketed prompts, grounded in what your documents actually show.
It includes a fully worked example, start to finish.
How you use it
- Gather the document the other side gave you, plus your own records.
- Work the guide in order; the early checks decide which later worksheets apply to you.
- Record what you find in the workbook as you go, with dates and sources.
- Use the templates to put your questions or your response in writing, and keep copies of everything you send.
One-time purchase, yours to keep$49
Get the kit on GumroadWhat this kit does not do: Educational self-help resource only. It does not evaluate your individual situation, represent you, or guarantee any outcome. It does not replace a licensed professional for your specific situation.
Not sure yet? Start with The Paperwork Audit, our free checklist. It uses the same method on six everyday documents. Or browse the Home, Rental and Moving bundle if more than one kit on your list sounds familiar.