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so your purchase offer has been accepted by the seller congratulations you're well on your way to owning your new home before your transaction closes you'll receive the closing disclosure a document your lender is required to provide to you at least three business days before you sign your mortgage agreement as of october 3rd 2015 this document replaces the hud-1 settlement statement and final truth and lending statement you may have received in Prior real estate transactions so what is the closing disclosure let's take a closer look the closing disclosure is a 5 page document that offers general as well as detailed information about your loan and real estate transaction the closing disclosure will provide you with the general terms of your mortgage your projected loan payments itemization of your closing costs the total amount of cash needed to close the transaction or the total amount of cash you can expect to receive at close your closing disclosure we'll also detail which closing c

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