# Loan Estimate Versus Closing Disclosure Fee Drift Review

Compare loan estimate fees against the closing disclosure line by line before signing.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
Loan estimate fee lines and closing disclosure fee lines.

## Workflow
1. Record each fee on the loan estimate.
2. Match it to the closing disclosure line.
3. Flag lines that changed beyond the documented tolerance class.
4. Return the drift review without closing advice.

## Output contract
fee | estimate | disclosure | change | tolerance_class | advice_unproved

## Fictional acceptance test
Fictional estimate shows origination 900; the disclosure shows 1,100. The 200 drift needs a documented reason before the figures are treated as final.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/owning-a-home/loan-estimate/

Checked October 18, 2026. Oct17 live AIS Search Console (sc-domain property, tej@groweasy.ai, Saturday audit): Oct 9-15 complete week 22 clicks, 937 impressions, 2.3% CTR, position 10.6, day-row verified. Top queries: Muse India 125i (3-month), Planable/Claude social agent 45i, marketing Copilot 37i, Planable/ChatGPT 24i, investor agents 19i, Copilot investment-committee 14i, cash flow forecasting 13i, campaign brief 12i. Google Trends verified Oct 17: muse glimmer/spark rising. Site impressions are query leads, not monthly volumes; exact topic volume is unmeasured.