What should a borrower expect to see on a Closing Disclosure that differs from the Loan Estimate?

• A. The final numbers, including actual closing costs and any changes to the rate or terms.
• B. The estimated title insurance cost.
• C. The lender's contact information.
• D. The appraisal value of the home.

Answer: (A)

The Closing Disclosure shows the final numbers you’ll actually pay at closing. It lists the actual loan amount, the final interest rate, the confirmed monthly payment, and the total closing costs. It also shows any changes to the rate, payment, or other loan terms that have occurred since you received the Loan Estimate. The Loan Estimate was an early, good‑faith projection, while the Closing Disclosure reflects the precise figures after underwriting and any adjustments from third‑party services, credits, or other items. So the key difference you should expect is that the Closing Disclosure presents the final, verified amounts and any changes from the earlier estimate.