INTERACTIVE MORTGAGE TOOL
Calculate important TRID dates for a home purchase or refinance, including Loan Estimate, Closing Disclosure, signing, rescission, and estimated funding timelines.
Start with the date the creditor received the six-item TRID application. The calendar will then enable target signing dates that satisfy the separate seven-business-day Loan Estimate rule.
How to use: Dark blue marks the proposed purchase closing. Green marks the latest initial Closing Disclosure receipt date. Navigate months to see milestones outside the closing month.
Before consummation, the borrower generally receives three TRID business days to review the initial Closing Disclosure.
A residential mortgage transaction used to acquire a principal dwelling is exempt from the federal right of rescission. Other transaction structures can differ, so confirm the specific loan.
Purchase funding, recording, possession, and key delivery depend on lender, settlement, banking, contract, county, and state procedures rather than a federal three-day rescission hold.
The creditor generally delivers or mails the initial Loan Estimate no later than three lender business days after receiving an application.
The initial Loan Estimate also generally must be delivered or mailed no later than seven TRID business days before consummation.
The borrower must receive the initial Closing Disclosure at least three TRID business days before consummation.
The borrower consummates/closes the purchase on the selected date if all lender and settlement conditions are satisfied.
Funding, recording, possession, and key delivery follow the applicable contract, lender, title/escrow, bank, county, and state procedures.
Important: This tool is an educational date estimator, not legal, compliance, underwriting, contract, title, escrow, or settlement advice. It is designed around a typical closed-end home purchase mortgage subject to TRID. Actual dates can depend on disclosure delivery and evidence of receipt, transaction type, creditor operating days, contract terms, lender overlays, state law, settlement practices, banking, and county recording. Confirm all dates with the creditor and settlement agent.
Start with the date the creditor received the six-item TRID application. The calendar will then enable target signing dates that satisfy the separate seven-business-day Loan Estimate rule.
For certain refinances secured by a principal dwelling, the consumer can have a separate three-business-day period after consummation to cancel the transaction.
When rescission applies, funds generally cannot be disbursed until the rescission period expires, so signing and funding are not necessarily the same date.
The initial Loan Estimate is generally provided within three lender business days after a complete TRID application and sufficiently early to satisfy the seven-TRID-business-day timing rule before consummation.
The borrower must receive the initial Closing Disclosure at least three TRID business days before consummation.
The borrower signs or consummates the refinance.
If the right of rescission applies, the rescission period generally runs for three business days from the last of the applicable triggering events.
After rescission expires, funding and recording can proceed subject to lender, title/escrow, banking, and state requirements.
Answers to common questions about our TRID closing calendar for both purchase and refinance.
No. The right of rescission applies to certain credit transactions secured by the consumer’s principal dwelling, and Regulation Z contains exemptions. Confirm applicability for the specific refinance.
For Regulation Z rescission timing, business days generally include Saturdays but exclude Sundays and the applicable federal legal public holidays.
When rescission applies, the creditor generally may not disburse loan proceeds until the rescission period has expired. Operational funding and recording usually occur on the next available lender or title business day.
A corrected Closing Disclosure requires a new three-business-day waiting period when the APR becomes inaccurate under Regulation Z, the loan product changes, or a prepayment penalty is added.
A residential mortgage transaction used to acquire a principal dwelling is exempt from the federal right of rescission under Regulation Z. This calculator therefore does not add a refinance-style post-closing rescission period. Confirm unusual transaction structures with the creditor or settlement agent.
The consumer generally must receive the initial Closing Disclosure no later than three business days before consummation.
For the specific TRID business-day definition used for the Closing Disclosure waiting period, Saturdays generally count, while Sundays and applicable federal legal public holidays do not.
A new three-business-day waiting period is generally required when the APR becomes inaccurate under Regulation Z, the loan product changes, or a prepayment penalty is added.
The initial Loan Estimate generally must be delivered or placed in the mail no later than seven TRID business days before consummation, in addition to the separate deadline tied to receiving the application.
There is no standard federal rescission hold after a qualifying residential purchase transaction, but actual funding, recording, possession, and key delivery vary by lender, settlement process, contract, bank, county, and state.
Primary regulatory references: CFPB Regulation Z §1026.19, CFPB Regulation Z §1026.23, and CFPB Regulation Z §1026.2.
