Live sample — every name and number on this page is fictional

This is a live sample of what you'll actually see.

The exact screens from the real product — an instant plain-English ClosingStart Disclosure, then every provider you'll need compared side by side. This one is for Billy Buyer, buying 12 Bluebird Lane in Anytown, TN. Yours takes about two minutes.

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ClosingStart DisclosureLendersInspectionTitleGovernmentInsuranceMovers

Your ClosingStart Disclosure

One page · every figure from your contract + standard Tennessee rates
BUYER'S CLOSINGSTART DISCLOSURE (ESTIMATED)
Prepared for you by Rachel Realtor
powered by ClosingStart  ·  File # CS-DEMO1042
ESTIMATED FEES ONLY — figures come from your contract and standard Tennessee rates; lender terms, earnest money and prorations are estimates — subject to the final figures at closing.
Your closing timeline — this page follows it, top to bottom
Loan applicationJan 6
Home inspection period endsJan 13
Title workJan 17
Insurance in placeFeb 20
Closing dayFeb 27
Closing Information
Date IssuedToday
Closing DateFebruary 27, 2026 (est.)
Property12 Bluebird Lane, Anytown, TN 37000
Sale Price$525,000.00
Transaction Information
BuyerBilly BuyerAgent: Annie Agent
SellerSammy SellerListing Agent: Larry Lister
Loan$420,000.00 (pending lender — compare below)
Summaries of Transactions
Buyer's Transaction
K.Due from Buyer at Closing$528,015.00
01Sale Price of Property$525,000.00
Closing Costs — Buyer-Paid
01Title Services & Settlement FeeYour pick from the title comparison below$610.00
02Owner's + Lender's Title InsuranceBased on rates filed with the State of Tennessee. Premiums vary slightly by underwriter, but this estimate should be very close to your final number.$1,140.00
03Recording FeesCounty Register of Deeds$200.00
04Tennessee Transfer TaxSet by Tennessee law$825.00
05Tennessee Mortgage TaxSet by Tennessee law$240.00
L.Paid Already by or on Behalf of Buyer$425,611.78
01Loan AmountNew first mortgage$420,000.00
02Earnest MoneyHeld in escrow · applied at closing$5,000.00
03County Taxes (credit to Buyer)01/01/2026 – 02/27/2026 · 58/365 days · daily $10.55$611.78
Calculation
Total Due from Buyer at Closing (K)$528,015.00
Total Paid Already by/for Buyer (L)– $425,611.78
Estimated Cash to Close  ·  From Buyer
$102,403.22
Excludes lender loan costs & prepaids — when you pick a lender below, those figures fold in automatically from your Loan Estimate and update this number.
Where these numbers come from: your executed contract (sale price, dates, parties) plus standard Tennessee closing rates (transfer tax, recording, title premiums at filed rates). In the real product, every figure carries a source badge that opens the exact clause of your contract it came from — and every line updates automatically as documents arrive.

Wire Fraud Warning: Never trust wiring instructions sent by email. Always confirm by phone to a verified number before wiring funds.
Estimated fees only. A ClosingStart Disclosure is not a Closing Disclosure and is not sanctioned by the CFPB — final figures come from your lender or closing agent.
What you're looking at This is the real document, with fictional numbers. It lands in your inbox minutes after your contract does — one page, plain English, nothing you have to decode. The blanks it can't know yet (your lender's fees, your final prorations) fill themselves in as you make the choices below.

Compare lenders Week 1

Sorted by APR, lowest first

swipe sideways to see all 4 →

Lucky Penny Lending Disclosures Bluebird Mortgage Disclosures Fair & Square Home Loans Disclosures Hometown Lending Co. This quote needs a bit more information — the number is coming Disclosures
APRAPR is the all-in comparison number: rate plus lender fees. 6.71% 6.74% 6.77%
Interest rate 6.42% 6.50% 6.55%
Points 0.25 0 0
Total lender fees $3,180 $2,940 $2,610
Est. monthly paymentPrincipal & interest on a 30-year loan, assuming 20% down $2,633 $2,655 $2,669
Quoted dateWe always show how fresh each number is. Jul 9 Jul 9 Jul 8
number coming

Worth knowing: the CFPB recommends comparing offers from multiple lenders — comparing is free and does not affect your credit.

Why it looks like this Lenders are sorted by APR — the all-in number — never by who pays us, and the best value on each line gets the star so you don't have to do the math. You won't see ratings here: lending is regulated, so the numbers do the talking. When a lender needs one more detail to quote you (like Hometown above), we say so honestly — the column holds its place and the number follows. And nobody here knows who you are until you tap "This one."

Compare home inspectors Days 1–10

Sorted by price, lowest first

swipe sideways to see all 3 →

Eagle Eye Inspections Disclosures White Glove Home Inspect Disclosures Top-to-Bottom Inspectors Disclosures
Total priceFull home inspection, licensed Tennessee inspectors. $385 $425 $450
Google ratingSource: Google ratings — independent of what any provider pays. ★ 4.9 ★ 4.8 ★ 4.6
Last updatedWe always show how fresh each number is. Jul 9 Jul 8 Jul 8
Why it looks like this Your inspection window opens the day the contract is signed — that's why this sits right after lenders. Inspections are unregulated, so ratings show — from Google, not from us — and the sort is price, lowest first. In the real product each column also opens the full breakdown: what's included, report turnaround, and add-ons like radon or a sewer scope. You reach out when you're ready — never the other way around.

Compare title companies Weeks 2–3

Sorted by price, lowest first

swipe sideways to see all 3 →

Clear Sky Title Disclosures Cornerstone Closings Affiliation disclosed Disclosures Honest Abe Title & Escrow Disclosures
Total priceTheir own settlement & document fees — the part they actually compete on. $610 $735 $855
Title insuranceBased on rates filed with the State of Tennessee. Premiums vary slightly by underwriter, but this estimate should be very close to your final number. $1,140 $1,140 $1,140
Last updatedWe always show how fresh each number is. Jul 9 Jul 8 Jun 12may be outdated
Why it looks like this Title insurance premiums are filed with the state — they vary only slightly by underwriter — so we don't pretend anyone competes on them. The real difference is each company's own settlement and doc-prep fees, and that's what's sorted here. No ratings on this one either: title is regulated. See the "Affiliation disclosed" badge? When your agent has a business relationship with a provider, we tell you plainly — it never changes the order or the styling, it just informs. In the real product, "See what's included" opens every line item behind each total — nothing hidden.

Government fees Paid at closing

Fixed — the same no matter who you pick

What it is

Recording fees$200
Tennessee transfer tax$825
Mortgage recording tax$240
Total$1,265

Why it's here

Set by the county and the State of Tennessee. Nobody competes on these — they're the same whichever lender, title company, or provider you pick. We show them anyway so nothing is a surprise at the closing table.

Compare home insurance Before closing

Sorted by price, lowest first

swipe sideways to see all 3 →

Good Neighbor Mutual Disclosures Safe Harbor Insurance Disclosures Umbrella Insurance Co. Disclosures
Total priceAnnual premium, same $525k dwelling coverage quoted to each. $1,285 $1,420 $1,560
Google ratingSource: Google ratings — independent of what any provider pays. ★ 4.8 ★ 4.7 ★ 4.5
Last updatedWe always show how fresh each number is. Jul 9 Jul 9 Jul 7
Why it looks like this Insurance isn't a regulated comparison, so here you do get ratings — pulled from Google, a source no provider can pay their way up. Providers are still sorted by price — never by who pays us. Every quote is on the same coverage, so the prices are actually comparable. No agent calls you until you ask them to.

Compare moving companies Closing week

Sorted by price, lowest first

swipe sideways to see all 3 →

Volunteer Van Lines Disclosures Careful Hands Moving Co. Disclosures Smoky Mountain Movers Disclosures
Total priceLocal Tennessee move, 3-bedroom home — crew, truck & fuel included. $875 $1,250 $1,650
Crew & truck 2 movers · 20-ft truck 3 movers · 26-ft truck 4 movers · 26-ft truck
Google ratingSource: Google ratings — independent of what any provider pays. ★ 4.7 ★ 4.9 ★ 4.6
Last updatedWe always show how fresh each number is. Jul 9 Jul 8 Jul 8
Why it's on this page Movers aren't part of your closing costs — but you'll need one, and they're in your agent's network too. Moving is unregulated, so Google ratings show, and the sort is still price, lowest first — never who pays us. Book once your closing date is locked; in the real product each column opens the full breakdown, including packing add-ons and storage.

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