Short answer
The 5-page document that summarizes your final numbers.
Loan terms, projected payment, closing costs, and cash-to-close should match what you expected. Compare it to your most recent Loan Estimate.
What to check
Loan terms, projected payment, closing costs, and cash-to-close should match what you expected. Compare it to your most recent Loan Estimate.
The three-day rule
You must receive the CD at least 3 business days before closing. Certain changes trigger a new 3-day period.
Key takeaways
- Read the CD carefully — call your lender with any questions.
Frequently asked questions
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Sources
Program rules change and individual lender overlays apply. Verify specifics with the agency or with a licensed NexGen Capital advisor before relying on them.
Reviewed by NexGen Capital Corp
Written and reviewed by the licensed mortgage team at NexGen Capital Corp, a Florida mortgage brokerage (NMLS #1766649). Verify our license on NMLS Consumer Access.
Last reviewed: 2026
This article is educational and is not a commitment to lend or an offer of credit. Speak with a licensed NexGen advisor about your own situation.