Which section on the Closing Disclosure helps borrowers identify changes from the Loan Estimate?

The section that helps borrowers identify changes from the Loan Estimate is the "Calculating Cash to Close." This section provides a detailed breakdown of the funds the borrower is required to bring to the closing table, including any changes that may have occurred since the Loan Estimate was provided.

In this section, borrowers can see the cumulative adjustments to their cash requirements, highlighting any differences in costs that may impact their financial obligations at closing. This transparency allows borrowers to easily reconcile their expectations based on the Loan Estimate with what they will actually need to pay at closing, including any modifications to fees, deposits, and other financial obligations.

Other sections of the Closing Disclosure provide useful information but do not specifically focus on identifying changes from the Loan Estimate in the same way. The "Adjustments" section generally relates to allocations and charges, while "Summaries of Transactions" outlines the overall financial transactions involving all parties involved. "Total Closing Costs" presents an overall figure for closing costs without detailed comparisons to the Loan Estimate, thereby lacking the necessary specificity regarding changes.