What Is a Closing Disclosure and When Do NH Buyers Receive It?

🏡 What Is a Closing Disclosure and When Do NH Buyers Receive It?

When buying a home in Plymouth, Campton, Rumney, Thornton, Ashland, or anywhere across Central NH, one of the final and most important documents you’ll receive is the Closing Disclosure, often called the CD.

This document outlines your final loan terms, closing costs, and total cash required to close — and federal law requires that you receive it before your closing day.

Here’s everything NH buyers need to know.

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What Is a Closing Disclosure?

A Closing Disclosure is a detailed, five-page document that includes:

Your final interest rate

Monthly mortgage payment

Loan amount

Taxes & insurance

Closing costs

Total cash to close

Loan fees, lender credits, and prepaid items

It is the final version of all financial details for your mortgage.

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When Do NH Buyers Receive the Closing Disclosure?

Lenders must provide the Closing Disclosure:

✔ At least 3 business days before closing

✔ Buyers must acknowledge receipt

✔ Any major changes restart the 3-day clock

In most NH transactions, buyers receive the CD 3–5 days before the closing date, giving them time to review numbers and ask questions.

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Why the Closing Disclosure Matters

The CD helps buyers verify:

Correct loan terms

Accurate closing cost totals

Proper lender credits

Prepaid taxes and insurance amounts

Cash due at closing

Final interest rate and APR

If there’s a mistake, buyers can catch it before signing their final documents at the closing table.

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What Should Buyers Look For?

When reviewing the CD, check:

✔ Loan amount

✔ Monthly payment

✔ Escrow amounts

✔ Closing cost breakdown

✔ Appraisal, credit, and lender fees

✔ Cash to close total

✔ Earnest money credit applied

Your lender or agent can walk you through each section.

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Q&A

Q: Can the Closing Disclosure numbers change?

A: Minor changes can happen, but major changes may trigger a new 3-day review period.

Q: Do cash buyers receive a Closing Disclosure?

A: No — the CD is only for financed purchases. Cash buyers get an ALTA settlement statement instead.

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Jim Johnson — Real Estate Agent

58 NH Route 25A

Wentworth, NH 03282

P: (857) 249-7392

W: www.JimJohnsonRealEstateAgent.com

Licensed New Hampshire REALTOR® with Three Hills Real Estate Services

Broker Email: info@ThreeHillsRES.com

Broker Website: www.ThreeHillsRES.com