Disclosure comparison

Mortgages are complex transactions that may include risky features. Consumers currently receive different, but overlapping, Federal disclosure forms with the terms and costs of mortgage loans. Because these differences are confusing for consumers, Congress directed us to create new forms. We want you to use the new forms to inform yourself as you consider different loans.

Learn more about what these proposed disclosures would mean for consumers, or read a detailed summary of the proposal.

Loan estimate, before

Loan estimate, before, Truth in Lending, page 1 Loan estimate, before, Truth in Lending, page 2 Loan estimate, before, Good Faith Estimate, page 1 Loan estimate, before, Good Faith Estimate, page 2 Loan estimate, before, Good Faith Estimate, page 3

View Loan estimate, before as a PDF

Loan estimate, after

Loan estimate, after, Page 1 Loan estimate, after, Page 2 Loan estimate, after, Page 3

View Loan estimate, after as a PDF

Closing disclosure, before

Closing disclosure, before, Truth In Lending closing disclosure, page 1 Closing disclosure, before, Truth In Lending closing disclosure, page 2 Closing disclosure, before, HUD-1, page 1 Closing disclosure, before, HUD-1, page 2 Closing disclosure, before, HUD-1, page 3

View Closing disclosure, before as a PDF

Closing disclosure, after

Closing disclosure, after, Proposed closing disclosure, page 1 Closing disclosure, after, Proposed closing disclosure, page 2 Closing disclosure, after, Proposed closing disclosure, page 3 Closing disclosure, after, Proposed closing disclosure, page 4 Closing disclosure, after, Proposed closing disclosure, page 5

View Closing disclosure, after as a PDF

Comment on the proposed rule