Closing package and settlement agent instructions

How do we send closing instructions and documents to the settlement agent and reconcile the settlement statement against the Closing Disclosure before funding?

Build the package from the loan and reconcile the numbers by rule. Callvu assembles the closing instructions and the documents from the LOS for the loan's program and state, delivers them to the settlement agent through a secure link with the funding conditions, receives the settlement statement and the signed documents back through the same link, reconciles every figure on the settlement statement against the Closing Disclosure of record, flags each difference, and holds funding until the differences are resolved or a corrected disclosure is issued.

In scopeComplex: multi-party handoffsCallvu moves: prefill, chase and verify, write back

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Last updated November 7, 2026.

The problem today

The settlement statement differs from the Closing Disclosure by a recording fee, and the difference is found after the wire.

Today, without Callvu

The closer emails the closing package to the settlement agent. The agent closes, sends back the settlement statement and the signed documents. The funder compares the statement with the Closing Disclosure by eye, or does not, and wires. A fee differs; the borrower paid more than disclosed; the cure is a refund and a corrected disclosure after the fact.

TRID requires the Closing Disclosure to reflect the actual terms and costs, with a corrected disclosure for changes at or before consummation and a 30-day correction for post-closing changes; the settlement statement is the settlement agent's accounting of what happened. Reconciling them before funding is where the lender catches the difference while it can still be cured at the table.

The package and the reconciliation are the two halves of closing, and both are rule-driven.

How it runs

From the requestto the system of record.

The closing date is confirmed and the Closing Disclosure of record is issued. Callvu opens the closing package case.

Closer: Reviews the assembled package where the policy requires and sees the reconciliation.
Settlement agent: Receives the package through a secure link, closes, and returns the settlement statement and signed documents through the same link.
Title company: Provides the final title commitment and the policy commitment for the package.
Callvu: Assembles, delivers, receives, reconciles, flags and holds funding.

Prefill and assemble
The closing instructions (the loan terms, the funding conditions, the signing requirements, the disbursement instructions) and the documents (the note, the security instrument with the state's riders, the Closing Disclosure, the notices, the affidavits) are assembled from the LOS for the program and the property's state, with the final title commitment attached.
Chase and verify delivery
The package goes to the settlement agent through a secure link with a required confirmation; the agent's questions and any required changes come back through the same link, and the closer sees the status.
Reconcile
On return, the settlement statement is read and every line is reconciled against the Closing Disclosure of record (the loan amount, the lender's charges, the prepaid items and escrow, the title and settlement charges, the recording fees and transfer taxes, the seller's items, the cash to close); each difference is flagged with the two figures and classified as a tolerance issue, a disclosure error, or a settlement agent error.
Decide and write back
A reconciled statement releases the funding condition; a difference goes to the closer in the Decision Desk with only the allowed outcomes: a corrected Closing Disclosure (at or before consummation, or within 30 days after), a lender credit to cure, or a correction by the settlement agent. The package, the returned documents, the reconciliation and the decisions are written to the LOS.

Where it ends: The settlement agent closed from a package built from the loan, the settlement statement was reconciled line by line against the Closing Disclosure before funding, and every difference was decided and cured on the record. The Decision Trace shows the package contents and each reconciliation line; the Audit Trace shows the delivery, the return and the decisions.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

TRID Closing Disclosure accuracy and corrections (Reg Z 12 CFR 1026.19(f)(2)): The Closing Disclosure must reflect the actual terms of the transaction; if it becomes inaccurate before consummation, a corrected disclosure is provided at or before consummation (with a new waiting period for the changes the rule names); if an event within 30 days after consummation causes it to become inaccurate and results in a change to an amount paid by the consumer, a corrected disclosure is delivered within 30 days of receiving information sufficient to establish the event.
RESPA settlement statement and the settlement agent's duties (Reg X, 12 CFR 1024.8 and 1024.10, and the Closing Disclosure's role as the settlement statement): For loans subject to TRID the Closing Disclosure serves as the settlement statement, and the settlement agent provides the seller's disclosure; the settlement agent's accounting must agree with it, and the lender keeps the records.
TRID tolerance cures (Reg Z 12 CFR 1026.19(f)(2)(v)): A charge above the applicable tolerance is refunded within 60 days after consummation with a corrected Closing Disclosure.

Company policies

The package is assembled from the LOS for the program and state; the closer reviews where the policy requires and never builds it by hand.
Every settlement statement line is reconciled against the Closing Disclosure before funding.
A difference is cured by a corrected disclosure, a lender credit or a settlement agent correction, decided in the Decision Desk and recorded.
The LOS holds the package, the returned documents and the reconciliation.

Controls

Package assembly from the LOS by program and state.
Secure delivery with confirmation.
Return through the same link.
Line-by-line reconciliation with classification.
Funding hold on differences.
Decision Desk cures and corrected disclosures.

Clocks and deadlines

Corrected Closing Disclosure: At or before consummation for pre-closing changes; within 30 days after for post-closing changes affecting amounts paid.
Tolerance refund: Within 60 days after consummation.
Package delivery: Ahead of the closing date by the lender's policy, with the agent's confirmation.

Documents and checks

The closing instructions and documents as assembled
The delivery confirmation
The settlement statement and signed documents as returned
The reconciliation with each difference classified
The cure decisions and any corrected disclosure

In the Decision Trace

The package contents and why.
Each reconciliation line and its result.
Each cure decision and the person.

In the Audit Trace

The delivery and confirmation.
The return.
The Decision Desk steps and the writes.

The handoff

Between the front doorand the back office.

The front door

The confirmed closing date and the Closing Disclosure of record; the settlement agent meets the process through the secure link.

The back office

The closer reviews only what the policy reserves and decides differences; the funder sees a reconciled statement or a hold.

The Decision Desk

A reconciliation difference goes to the closer in the Decision Desk with the two figures and only a corrected Closing Disclosure, a lender credit, or a settlement agent correction as outcomes.

Proof

In scope.Proof at scale, not one process at a time.

The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.

Bank Leumi runs its home lending workflows on Callvu.

MTG-01

Community Bank of Mississippi runs TRID loans on Callvu.

MTG-02

More than 1,000 processes are live across Callvu customers.

Across Callvu customers

Questions

What buyers ask next,answered plainly.

How does the settlement agent receive the package?

Through a secure link with a required confirmation, and returns the settlement statement and the signed documents through the same link.

What is reconciled?

Every line of the settlement statement against the Closing Disclosure of record, with each difference flagged, classified and decided before funding.

What if a fee differs?

It is cured by a corrected Closing Disclosure, a lender credit, or a settlement agent correction, decided in the Decision Desk and recorded; funding waits.

Related processes

Closing scheduling Prior-to-funding conditions Closing Disclosure correction Try it in the sandbox All home lending processes

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