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.
npx skills add mohitagw15856/pm-claude-skills --skill closing-disclosure-decoder --agent claude-code
Same command for any agent — swap --agent for codex, cursor, copilot.
Weekly change comes from our own snapshots, not the repository page — it measures attention, not adoption.
# 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, progr
- What This Skill Produces
- Required Inputs
- Framework
- Output Format
- Closing Disclosure Decode: [property] — closing [date], review clock ends [date]
- Quality Checks
- Anti-Patterns
What does the closing-disclosure-decoder skill do?
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.
How do I install it?
Run `npx skills add mohitagw15856/pm-claude-skills --skill closing-disclosure-decoder --agent claude-code` — it drops the skill into your project so the agent can pick it up. Swap the --agent value for codex, cursor or copilot if you use one of those.
Where does this skill come from?
From mohitagw15856/pm-claude-skills, a repository with 1,255 stars. We read it straight from the repository tree rather than a submitted listing, so what you see here is what is actually published.
Is a popular skill a good skill?
Not necessarily. Stars measure attention, not adoption — a repository can trend for a week and be abandoned. That is why we show the weekly change from our own snapshots next to the total, instead of a single flattering number.