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The Closing Disclosure, Page 4

After 8-1-2015, the new Closing Disclosure will be the primary settlement document for residential real estate transactions. The new disclosure replaces the familiar HUD-1 and Truth-In-Lending Statement (TIL), combining most of the information from these documents.

The five-page Closing Disclosure does away with the old HUD numbering system, breaking out payments and charges into several sections on three pages and incorporating loan-related disclosures on two additional pages. Here’s a brief summary of each section.

Page 4 of The Closing Disclosure provides helpful information to the borrowers on the specific loan they have chosen, including escrow details.

Closing Disclosure, Page 4

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