What do I need to use Closing Disclosure Decoder?

The Closing Disclosure; The Loan Estimate; Closing date; Anything that changed.

Is Closing Disclosure Decoder free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Closing Disclosure Decoder

Q: How do I know the Closing Disclosure Decoder output is good?

The skill verifies itself against its own quality checks: Every LE→CD increase is assigned a tolerance tier; Prepaids are decoded as your-money-moving, separate from fees; Challenge scripts quote line numbers and amounts; Cash-to-close is independently recomputed.

🔵 Stable🕐 updated 2026-10-06⚖️ rules checked 2026-07-17Not yet expert-reviewed · review it 🔷 SkillSpec L3 pm-decoders

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.

▶ Run it free — no key needed 📝 Grade your existing draft ⬇ Add to Claude (works in Duet) 📱 Use as an app View SKILL.md ↗ What changed

🗣 Say this to your agent

“Decode my closing disclosure.”“Review my closing costs.”“Why did my costs go up?”“Which fees can I negotiate?”

What to give it

▸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

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓Every LE→CD increase is assigned a tolerance tier

✓Prepaids are decoded as your-money-moving, separate from fees

✓Challenge scripts quote line numbers and amounts

✓Cash-to-close is independently recomputed

✓The three-day clock dates appear in the header

✓The disclaimer appears verbatim

⚠️ What it refuses to do

Do not rage at the total — the leverage lives line-by-line in the tolerance tiers

Do not treat prepaid escrow as a junk fee — misdirected outrage burns the real challenges

Do not accept "that's standard" on stacked processing fees — standard is not a tolerance category

Do not let the clock expire politely — the review period is for reviewing; day one, not day three

Do not present tolerance rules as universal law — flag jurisdiction/loan-type variation and refer to the settlement agent

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y -p pm-claude-skills pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="closing-disclosure-decoder"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Closing Disclosure Decoder is one of 1326 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog