The disclosure required by law that must be given to all mortgage loan applicants within three days after submitted a loan application. The disclosure is an estimate of all settlement charges the borrower is likely to pay at closing.  This document is made up of 6 sections: 1) 800, 2) 900, 3) 1000, 4) 1200, and 1300.  

800 - lender fees, or the payable items involved with the loan (e.g. appraisals, origination fees, credit reports, etc.)

900 - items that the lender requires you to pay in advance (e.g. any premiums, hazard insurance policy, new loan interest, etc.)

1000 - assets to be deposited with the lender--impound accounts or escrow

1100 - attorney, title charges, and settlement work fees

1200 - transfer fees and government recording

1300 - other items that weren't previously listed (e.g. pest inspection and survey expenses)