Individual skill
closing-disclosure-decoder
Decode a mortgage Closing Disclosure line by line — which fees are real, which are shoppable or junk, and what changed since the Loan Estimate. Use when asked to decode my closing disclosure, review my closing costs, why did my costs go up, or which fees can I negotiate. Produces a section-by-section decode, the Loan-Estimate comparison with tolerance flags, the challenge list with scripts, and the cash-to-close verification.
plugins/pm-decoders/skills/closing-disclosure-decoder/SKILL.md
Source commit f7c90bc09ee05dc25cf257bdb1826f2c2552c2cb
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- Last checked
- Nov 9, 2026
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- Repository last updated
- Nov 10, 2026
- License
- MIT
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SKILL.mdcore · 4,866 bytes
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# 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
