# Closing Disclosure

> A five-page form with the final terms and costs of your mortgage. Your lender must send it at least three business days before closing.

By David Knorr, founder of BuyWise Home. Last reviewed October 28, 2026. Web page: https://www.buywisehome.com/guide/glossary/closing-disclosure

## Why it matters to you

Compare it line by line with your [Loan Estimate](https://www.buywisehome.com/guide/glossary/loan-estimate). Some fees can't go up at all and others only by a little, so ask about anything that changed. Those three days are your time to raise questions, not the closing table.

## Related

- [Step 8: Close and move in](https://www.buywisehome.com/guide/close-and-move-in)
- [Loan Estimate](https://www.buywisehome.com/guide/glossary/loan-estimate): A standard form every lender gives you, so you can compare loans side by side.
- [Closing costs](https://www.buywisehome.com/guide/glossary/closing-costs): Fees paid at closing on top of the down payment, often 2%–5% of the price.

_General information based on the standard Georgia REALTORS® purchase contract and public guidance. Your own contract decides: read it, and ask your agent or closing attorney about anything that matters. Not legal or financial advice._