Closing Disclosure Decoder Skill

The Closing Disclosure arrives three days before the biggest purchase of your life, formatted to discourage reading. This skill reads it: every section in plain English, every fee sorted into real / shoppable / challenge, and — the part with teeth — the comparison against the Loan Estimate, where regulated tolerance rules make some increases the lender's problem, not yours.

What This Skill Produces

• Section decode — A through J in plain English, the three-day clock stated
• Fee triage — real and fixed / shoppable-too-late-but-note-it / challenge-now, with amounts
• The LE comparison — what moved since the Loan Estimate, tolerance category per change
• Challenge scripts — exact wording for the lender call, ranked by recovery odds
• Cash-to-close check — the bottom line reconciled against your own math

Required Inputs

Ask for these only if not provided:

• The Closing Disclosure (page-by-page paste or the figures)
• The Loan Estimate — the comparison is the leverage; without it, decode-only and say so
• Closing date — the three-business-day review clock
• Anything that changed — rate lock, loan amount, program — legitimate changes reset some tolerances