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Here's exactly what you'll get.

A plain-English Closing Disclosure, and your options for every provider you'll need — side by side, on real prices. This one's for Billy Buyer, buying a place in Anytown, TN.

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Closing DisclosureLendersTitleGovernmentInsuranceInspection

Your Closing Disclosure

The real thing — every figure cited to your contract
Closing DisclosureLoan ID #DEMO-1042
Billy Buyer & Sammy Seller · 12 Bluebird Lane, Anytown TN · 30-yr fixed conventional
Loan amount$420,000
Interest rate6.42%
Monthly P&I$2,632
Est. total monthly$3,124
Closing costs$10,105
Cash to close$110,105
📄 Every figure traces back to your contract — tap a source to read the exact clause.
Straight from your contract
Property 12 Bluebird Ln
§1 Property — “The real property and improvements located at 12 Bluebird Lane, Anytown, Tennessee 37000 (the ‘Property’).” · matched from your Purchase & Sale Agreement
Purchase price $525,000
§2.1 Purchase Price — “The total Purchase Price for the Property shall be Five Hundred Twenty-Five Thousand and 00/100 Dollars ($525,000.00), payable as set forth herein.” · §2.1
Loan amount $420,000
§4.1 Financing — “This Agreement is contingent upon Buyer obtaining a conventional loan in the amount of $420,000.00 (approximately 80% of the Purchase Price).” · §4.1
Earnest money deposit $5,000
§3 Earnest Money — “Buyer has tendered earnest money in the amount of Five Thousand Dollars ($5,000.00), to be held by the Escrow Agent and credited to Buyer at Closing.” · §3
Closing date Aug 15, 2026
§6 Closing — “Closing shall occur on or before August 15, 2026, or such other date as the parties agree in writing.” · §6
Loan Costs
A. Origination Charges$2,400
0.25% of Loan Amount (points)$1,050
Origination fee$995
Underwriting fee$355
B. Services You Cannot Shop For$780
Appraisal fee$650
Credit report · Verification of employment · Flood cert$130
C. Services You Can Shop For$1,750
Title — settlement / closing fee$610
Title — owner's + lender's insurance$1,140
D. Total Loan Costs (A + B + C)$4,930
Other Costs
E. Taxes & Government Fees$1,265
Recording $200 · State transfer & mortgage tax $1,065$1,265
F. Prepaids$1,875
Homeowner's insurance (12 mo) $1,285 · Prepaid interest $590$1,875
G. Initial Escrow Payment$2,035
Property taxes $1,540 · Insurance $495$2,035
H. Other$0
I. Total Other Costs (E + F + G + H)$5,175
J. TOTAL CLOSING COSTS (D + I)$10,105
Calculating Cash to Close
Total closing costs (J)$10,105
Down payment / funds from you $105,000
Purchase price $525,000 (§2.1) − loan $420,000 (§4.1) = your 20% down. · derived from your contract
Deposit — earnest money (credit)−$5,000
Seller credits$0
Estimated cash to close$110,105
🤝 These aren't random names. Every provider below comes from your agent's trusted network — people they already work with and stand behind. You just compare and choose.

Compare lenders

Sections A & B of your CD · rates as of today
👆 Tap a lender for the full breakdown (Sections A & B) + disclosures
Total monthly payment$3,124/mo
Principal & interest $2,632Property taxes $385Homeowner's insurance $107Mortgage insurance (PMI) $0

A · Origination

Origination & points$2,050
Underwriting & processing$350
Section A$2,400

B · Services you can't shop for

Appraisal fee$650
Credit report$65
Verification of employment$45
Flood certification$20
Section B$780

Total loan costs $3,180 · APR 6.71% · P&I $2,632/mo. Section A is where lenders really compete; Section B fees are third-party and about the same everywhere. Estimate only — not a commitment to lend; rate holds once locked.

Total monthly payment$3,146/mo
Principal & interest $2,654Property taxes $385Homeowner's insurance $107Mortgage insurance (PMI) $0

A · Origination

Origination & points$1,730
Underwriting & processing$430
Section A$2,160

B · Services you can't shop for

Appraisal fee$650
Credit report$65
Verification of employment$45
Flood certification$20
Section B$780

Total loan costs $2,940 · APR 6.74% · P&I $2,654/mo. No discount points — lower Section A, slightly higher rate. Section B is third-party. Estimate only, not a commitment to lend.

Total monthly payment$3,160/mo
Principal & interest $2,668Property taxes $385Homeowner's insurance $107Mortgage insurance (PMI) $0

A · Origination

Origination & points$1,500
Underwriting & processing$330
Section A$1,830

B · Services you can't shop for

Appraisal fee$650
Credit report$65
Verification of employment$45
Flood certification$20
Section B$780

Total loan costs $2,610 · APR 6.77% · P&I $2,668/mo. Lowest Section A and a longer 60-day lock. Section B is third-party. Estimate only, not a commitment to lend.

🔒 None of them know who you are until you say hello.

Compare title companies

Fees only — title insurance is set by the state
👆 Tap a title company — see the fees they actually compete on

Fees they compete on

Settlement / closing fee$400
Document prep$75
Courier & wire$60
e-Recording & notary$75
Their fees$610

Fixed for everyone

Owner's + lender's title insurance$1,140
Set byTN state
e-ClosingYes
Est. time to close21 days

Title insurance premiums are filed with the state — the same at every company, so we don't make them compete on it. The real difference is a company's own settlement & doc-prep fees and how fast they close.

Fees they compete on

Settlement / closing fee$480
Document prep$110
Courier & wire$85
e-Recording & notary$60
Their fees$735

Fixed for everyone

Owner's + lender's title insurance$1,140
Set byTN state
Mobile closingYes
Est. time to close18 days

Fastest close in the group. Title insurance is the same regulated premium everywhere — the difference is their own fees.

Fees they compete on

Settlement / closing fee$560
Document prep$150
Courier & wire$95
Notary$50
Their fees$855

Fixed for everyone

Owner's + lender's title insurance$1,140
Set byTN state
e-ClosingNo
Est. time to close25 days

Old-school, in-office closing with higher fees. Same regulated title insurance as everyone — the difference is their own fees.

🔒 Private until you choose who to talk to.

Government fees

Fixed — the same no matter who you pick

What it is

Recording fees$200
State transfer tax$825
Mortgage recording tax$240
Total$1,265

Why it's here

Set by the county and the State of Tennessee. Nobody competes on these — they're the same whichever lender, title company, or provider you pick. We just show them so nothing's a surprise at the closing table.

Compare home insurance

Same coverage, real premiums
👆 Tap an insurer to see the coverage breakdown

Coverage

Dwelling$525,000
Other structures$52,500
Personal property$262,500
Liability$1,000,000
Loss of use$105,000

Terms

Deductible$2,500
Wind / hail deductible1%
Water backupIncluded
Annual premium$1,285

Quote based on the property details we have — final premium confirmed after a quick inspection. A separate wind/hail deductible may apply. Bundling auto can lower this further.

Coverage

Dwelling$525,000
Other structures$52,500
Personal property$262,500
Liability$1,000,000
Loss of use$105,000

Terms

Deductible$1,500
Wind / hail deductible1%
Water backupIncluded
Annual premium$1,420

Lower $1,500 deductible — you pay less out of pocket on a claim, a bit more per year. Final premium after inspection.

Coverage

Dwelling$525,000
Other structures$52,500
Personal property$262,500
Liability$1,000,000
Loss of use$105,000

Terms

Deductible$1,000
Wind / hail deductible1%
Water backup riderIncluded
Annual premium$1,560

Lowest $1,000 deductible plus a water-backup rider — the most protection, the highest premium. Final premium after inspection.

🔒 No agent calls you until you ask them to.

Compare home inspectors

Full inspection · report turnaround
👆 Tap an inspector to see what's included

Included

Roof, attic & structure✓
HVAC, plumbing, electrical✓
Appliances & water heater✓
Exterior, grading & drainage✓
Photo report + summaryNext day

Add-ons

Termite / WDI letter+$95
Radon test+$140
Sewer scope+$165
Base inspection$385

A visual, non-invasive inspection — it's an assessment of condition, not a warranty or guarantee. Licensed TN home inspector. Book add-ons in the same visit to save a trip.

Included

Roof, attic & structure✓
HVAC, plumbing, electrical✓
Appliances & water heater✓
Pool / spa (if present)✓
Photo report + summarySame day

Add-ons

Termite / WDI letter+$95
Radon test+$135
Sewer scope+$160
Base inspection$425

Same-day report and pool/spa included. Visual, non-invasive inspection — not a warranty. Licensed TN inspector.

Included

Roof, attic & structure✓
HVAC, plumbing, electrical✓
Appliances & water heater✓
Drone roof scan✓
Photo report + summary2 days

Add-ons

Termite / WDI letter+$105
Radon test+$150
Sewer scope+$175
Base inspection$450

Includes a drone roof scan — great for steep roofs. Visual, non-invasive inspection — not a warranty. Licensed TN inspector.

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