Who gets a copy of the closing disclosure?
Asked by: Mr. Lucas Boehm | Last update: January 17, 2026Score: 4.1/5 (49 votes)
Real estate professionals officially are entitled to receive a copy of the closing disclosure from lenders, according to an announcement from the Consumer Financial Protection Bureau (CFPB).
Who must receive a copy of the closing disclosure?
Who gets a copy of the Closing Disclosure? Typically, buyers and lenders will receive a copy of the Closing Disclosure. It's recommended that buyers share a copy of their Closing Disclosure with their real estate agent to review before signing.
When should the seller receive the closing disclosure?
By law, you must receive your Closing Disclosure at least three business days before your closing. Read your Closing Disclosure carefully. It tells you how much you will pay for your loan.
Where can I get a copy of my closing disclosure?
Contact your lender or closing agent (title company, escrow officer, or attorney) at least a week before closing to find out how you will receive your Closing Disclosure. The Closing Disclosure may come from your lender or your closing agent.
Can realtors get a copy of the closing disclosure?
The lender will likely send the CD to the closing agent when it is sent to the buyer/consumer. The settlement agent will not be permitted to send a copy to real estate agents; you will need to obtain a copy from the borrower.
The DIFFERENCE Between INITIAL Closing Disclosure And FINAL Closing Disclosure EXPLAINED
Are closing disclosures public record?
Yes — most closing documents are public record. This means that anyone can access these documents and see the details of the transaction, including the sale price. If you're concerned about your privacy, you can request that some documents be kept private, such as the mortgage agreement or the promissory note.
Is a closing disclosure confidential?
A copy of the Closing Disclosure should not be provided to the real estate agent before, during or after the closing as it contains confidential borrower information that must be kept secure.
Who delivers the closing disclosure?
In transactions involving a seller, the settlement agent is required to provide the seller with the Closing Disclosure reflecting the actual terms of the seller's transaction no later than the day of consummation.
What paperwork to keep after selling a house?
Long-Term Documents
Records of paid mortgages (certificate of satisfaction or lien release) Closing disclosure statements (settlement statement or HUD-1 settlement sheet) List of household possessions, including photographs of valuables that are the subject of or would be covered by an insurance policy.
Do I get a copy of my deed at closing?
Usually you will receive the deed to your property at closing.
Does signing a closing disclosure mean I'm approved?
While receipt of the Closing Disclosure is a significant milestone in the closing process, loan approval typically occurs before this stage, following the lender's thorough review of the borrower's financial information and property appraisal.
How long after closing does the seller get paid?
Key Takeaways: The seller typically gets paid a few days after closing by wire transfer or cashier's check. The remaining balance on your mortgage and closing costs will be deducted from the purchase price and paid out by the escrow agent.
What is the 3 day rule for closing disclosure?
Your lender is required to send you a Closing Disclosure that you must receive at least three business days before your closing. It's important that you carefully review the Closing Disclosure to make sure that the terms of your loan are what you are expecting.
Who provides closing disclosure to seller?
The settlement agent is permitted to provide the seller with a separate CD that contains only the information applicable to the seller's transaction.
Who prepares the disclosure letter?
It is prepared by the seller's solicitors.
Can you be denied after closing disclosure?
Clear-to-close buyers aren't usually denied after their loan is approved and they've signed the Closing Disclosure. But there are circumstances when a lender may decline an applicant at this stage. These rejections are usually caused by drastic changes to your financial situation.
What is seller responsible for after closing?
Although the new homeowner has opportunities to inspect the house for any defects, it is the home seller's responsibility to disclose all known home defects. It doesn't matter if the defect is minor or material. The seller must disclose it to the homebuyer or their real estate agent.
Does the seller get closing documents?
The seller receives a different closing disclosure than the buyer. This document is usually two pages long and shows closing costs, final payments, and home sale proceeds. In essence, it should tell you what you sold it for, how much is deducted from that, and how much you take home.
How do I prove I sold my house?
Proof of Property Transfer: The deed obtained at closing acts as a transfer of title. It serves as evidence that the seller legally transferred ownership of the property to the buyer.
Where do I find my closing disclosure?
In your case, you should start by contacting the settlement agent for the purchase of the home. Depending on how long they retain their records, they should be able to supply you with a copy of your settlement documents.
Who is generally responsible for ensuring that the closing disclosure is delivered?
A creditor must ensure that a consumer receives an initial Closing Disclosure no later than three business days before consummation.
When should I receive the closing disclosure statement?
Lenders are required to provide your Closing Disclosure three business days before your scheduled closing. Use these days wisely—now is the time to resolve problems.
What happens after signing a closing disclosure?
What happens after signing the closing disclosure? Once you've signed the mortgage closing disclosure, the mortgage terms are locked in. You can't make further changes to your loan or payments unless you refinance or seek out relief options through your servicer.
Can a closing disclosure be emailed?
The Closing Agent or Attorney will schedule your closing. If your loan is eligible for eClosing, you will receive closing documents electronically; these documents will be delivered to you via email prior to the physical loan signing.
Does a closing disclosure mean clear to close?
After receiving a clear to close (CTC), the next step is to review your closing disclosure. Your lender should prepare this document and send it to you. A closing disclosure outlines the final or near-final costs for both the borrower and seller, including the mortgage rate and term, loan type and closing costs.