The Closing Disclosure must align with the Loan Estimate (LE) and reflect actual figures. Which statement best describes this requirement?

• A. It may differ from the LE if market conditions change.
• B. It should align with the LE and reflect actual figures.
• C. It should be identical to the HUD-1.
• D. It is optional to align with the LE.

Answer: (B)

The main idea here is that under TRID, the Closing Disclosure is the final, binding statement of what you will actually pay and what the loan terms will be, and it must match what you were shown on the Loan Estimate as the likely numbers. The Loan Estimate gives a good-faith promise of terms and costs, and the Closing Disclosure confirms the exact loan amount, interest rate, monthly payment, and final closing costs you’ll sign for at closing. This alignment protects you from surprises and ensures transparency, since you can directly compare the initial quote with the actual figures. If anything changes before closing, the lender must issue updated disclosures so the Closing Disclosure reflects the real numbers. The other options don’t fit because the Closing Disclosure isn’t allowed to drift from the Loan Estimate based on market shifts, it isn’t the HUD-1 anymore, and it isn’t optional to align with the LE.