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Free TRID timing tool

Closing Disclosure 3-Business-Day Calculator

Enter the scheduled consummation date to calculate the latest general consumer receipt date. You can also calculate the corresponding delivery date when relying on the three-business-day receipt presumption.

Calculate Closing Disclosure Timing

Corrected Disclosure Tool

This calculator uses the Regulation Z “precise” business-day definition for Closing Disclosure receipt timing: all calendar days except Sundays and the Federal legal public holidays specified in 5 U.S.C. 6103(a). It includes Juneteenth. It does not apply observed weekday closures for fixed-date holidays unless that date is itself a listed legal holiday.

Official source: Regulation Z § 1026.19(f)(1)(ii)–(iii) and § 1026.2(a)(6) business-day definition.

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