Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
For general guidance on identifying the date issued for the Closing Disclosure, see the commentary to
- 1026 (Regulation Z)
Search for terms in the sections, interpretations, and appendices in the Bureau regulations we currently have online.
For general guidance on identifying the date issued for the Closing Disclosure, see the commentary to
H-25(A) Mortgage Loan Transaction Closing Disclosure - Model Form Description: This is a blank model
For guidance regarding the disclosure of items paid with funds other than closing funds, see comments
For guidance regarding the use of addenda for items disclosed on the Closing Disclosure under §
Subordinate financing proceeds on first-lien Closing Disclosure.
H-25(B) Mortgage Loan Transaction Closing Disclosure - Fixed Rate Loan Sample Description: This is a
The disclosure of the table in § 1026.38(e) may only be provided by a creditor in a transaction
Additional pages may be attached to the Closing Disclosure to add lines, as necessary, to accommodate
Section 1026.38(j)(2)(xi) requires the disclosure of any amounts the consumer is expected to pay after
(4) The services and costs disclosed pursuant to paragraphs (f) and (g) of this section on the Closing
Compensation from the consumer to a third-party loan originator is designated as borrower-paid at or before closing
Section 1026.38(j)(2)(vi) requires the disclosure of any additional amounts not already disclosed under
The settlement agent complies with this provision by providing a copy of the Closing Disclosure provided
subordinate financing purchase transaction as defined in § 1026.37(a)(9)(i) if the first-lien Closing
The disclosure of the alternative cash to close table in § 1026.38(d)(2) may only be provided by
Like the disclosure required by § 1026.37(j), the disclosure required by § 1026.38(n) is required
H-25(E) Mortgage Loan Transaction Closing Disclosure - Refinance Transaction Sample Description: This
H-28(F) Mortgage Loan Transaction Closing Disclosure - Spanish Language Model Form Description: This
“Cash to Close” disclosed under § 1026.38(i)(9)(ii) is the same as the amount disclosed on the Closing
transaction are not disclosed on the Loan Estimate under § 1026.37(g)(1), but are disclosed on the Closing
Principal reduction paid with closing funds.
The optional alternative disclosure of the estimated cash to close provided for in § 1026.37(d)(
A principal reduction that occurs immediately or very soon after closing must be disclosed in the summaries
(3) If the increase exceeds the limitations on increases in closing costs under § 1026.19(e)(3),
(3) If the increase exceeds the limitations on increases in closing costs under § 1026.19(e)(3),