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Loan Estimate Fee Grader

Compare fee-bucket totals from your Loan Estimate and Closing Disclosure, flag potential tolerance overages, and get a plain-language lender pushback script.

Quick answer: Some mortgage fees generally cannot increase, one group shares a cumulative 10% cap, and flexible costs can change. Classification matters as much as the dollar difference.

SWReviewed by SwitchWize Research Desk · Last reviewed September 3, 2026
Current option
$

Generally Section A lender charges, transfer taxes, and required services you cannot shop for.

$
Alternatives
$

Generally recording fees plus eligible required third-party services selected from the lender list.

$
Assumptions
$

Prepaids, escrow, insurance, and certain borrower-selected providers.

$

Your decision

No modeled tolerance breach was found.

Recommended: Keep the estimate and disclosure together

Fee grade

Good

PASS

A screening grade based on the entered bucket totals—not a legal determination.

Potential cure

Good

$0

Zero-tolerance increases plus the amount above the cumulative 10% cap.

Zero-tolerance overage

$0

Entered final total above the original total for lender-controlled and non-shoppable charges.

10% bucket overage

$0

Only the aggregate amount above 110% of the entered estimate is flagged.

Ranked options

  1. #1Keep the estimate and disclosure together

    Retain both documents and confirm every fee name, provider, and amount before signing.

    Confidence: MediumEffort: LowRisk: Low

  2. #2Confirm each fee is in the right bucket

    Section A lender charges, transfer taxes, and services you could not shop for generally have zero tolerance; eligible shoppable-list and recording charges share a cumulative 10% bucket; prepaids and borrower-selected providers can change without a tolerance cap.

    Confidence: HighEffort: MediumRisk: Low

Watch-outs

  • • A valid changed circumstance or borrower-requested change can permit a revised Loan Estimate and reset the comparison baseline. Enter the applicable revised estimate, not automatically the first one.
  • • The 10% category is tested cumulatively, not fee by fee. Prepaids, escrow, insurance, and providers you chose outside the lender list generally may change without a numerical tolerance cap.
  • • This worksheet is educational, not legal advice. Ask the lender or CFPB to review disputed classifications.

Assumptions used

10% comparison
$2,500 × 110% = $2,750
Flexible-cost change
$0

Estimates based on your assumptions above — roughly indicative, not financial, tax, or legal advice.

Next steps

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Why this matters

A fee-by-fee increase can look harmless while the cumulative total crosses a federal tolerance limit. This worksheet preserves the bucket math and shows the amount worth questioning.

Frequently asked questions

Which fees generally have zero tolerance?
Generally lender and broker charges, transfer taxes, and required services you cannot shop for. Affiliate charges can also fall in this category.
How does the 10% bucket work?
Eligible recording and required third-party charges are compared together. The final aggregate generally may not exceed 110% of the applicable estimate.
Can a lender issue a revised estimate?
Yes, certain valid changed circumstances or borrower-requested changes can allow revisions. Use the applicable revised estimate as your comparison baseline.

This tool produces estimates based on the assumptions you enter. It is not financial, tax, or legal advice. Actual rates, fees, and outcomes depend on your lender, account terms, and approval.