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TRID timing checker for HOA files.
Loan Estimate and Closing Disclosure deadlines from your dates — plus which HOA fee changes reset the clock.
Check your TRID dates.
HOA fees and the tolerance buckets.
Zero tolerance covers lender and broker charges. The 10% bucket covers third-party services the lender selects. Unlimited tolerance covers prepaids, escrow, transfer taxes — and generally HOA dues, transfer fees, and assessments the lender does not control. Unlimited tolerance means no cure, but the amounts must still be disclosed accurately and on time, which is why late HOA numbers cause CD re-issues even when they never reset the 3-day clock. Only APR increases beyond tolerance, loan product changes, or added prepayment penalties force a new 3-day wait. Educational guidance only — confirm with compliance counsel. TRID, HOA fees, and timing · All free tools
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Late HOA numbers force CD re-issues.
Order HOA documents early enough that the figures are final before the disclosure goes out.