trid-tolerance
Classifies closing costs into zero, 10% cumulative, and unlimited tolerance buckets under 12 CFR § 1026.19(e)(3). Validates changed circumstances for revised Loan Estimates and computes cure amounts. Use when reviewing a Closing Disclosure against a Loan Estimate, calculating tolerance variances, determining whether a revised LE is permitted, or computing cure amounts for tolerance violations.
Best use case
trid-tolerance is best used when you need a repeatable AI agent workflow instead of a one-off prompt.
Classifies closing costs into zero, 10% cumulative, and unlimited tolerance buckets under 12 CFR § 1026.19(e)(3). Validates changed circumstances for revised Loan Estimates and computes cure amounts. Use when reviewing a Closing Disclosure against a Loan Estimate, calculating tolerance variances, determining whether a revised LE is permitted, or computing cure amounts for tolerance violations.
Teams using trid-tolerance should expect a more consistent output, faster repeated execution, less prompt rewriting.
When to use this skill
- You want a reusable workflow that can be run more than once with consistent structure.
When not to use this skill
- You only need a quick one-off answer and do not need a reusable workflow.
- You cannot install or maintain the underlying files, dependencies, or repository context.
Installation
Claude Code / Cursor / Codex
Manual Installation
- Download SKILL.md from GitHub
- Place it in
.claude/skills/trid-tolerance/SKILL.mdinside your project - Restart your AI agent — it will auto-discover the skill
How trid-tolerance Compares
| Feature / Agent | trid-tolerance | Standard Approach |
|---|---|---|
| Platform Support | Not specified | Limited / Varies |
| Context Awareness | High | Baseline |
| Installation Complexity | Unknown | N/A |
Frequently Asked Questions
What does this skill do?
Classifies closing costs into zero, 10% cumulative, and unlimited tolerance buckets under 12 CFR § 1026.19(e)(3). Validates changed circumstances for revised Loan Estimates and computes cure amounts. Use when reviewing a Closing Disclosure against a Loan Estimate, calculating tolerance variances, determining whether a revised LE is permitted, or computing cure amounts for tolerance violations.
Where can I find the source code?
You can find the source code on GitHub using the link provided at the top of the page.
SKILL.md Source
# TRID Tolerance Classifies fees into tolerance buckets, calculates CD-vs-LE variances, validates changed circumstances, and computes cure amounts under Regulation Z. ## Prerequisites 1. Loan Estimate (original + any revised, with dates) 2. Closing Disclosure (final or proposed) 3. Creditor's written list of service providers (shopped vs. unshopped classification) 4. Documentation of any changed circumstances ## Tolerance Categories ### Zero Tolerance (0%) — Cannot Increase Any increase requires a valid changed circumstance and revised LE. | Category | Examples | |---|---| | Creditor/broker fees | Origination, application, underwriting, processing, discount points, commitment, rate lock | | Affiliate fees | Any fee paid to lender/broker affiliate (title, appraisal, etc.) | | Transfer taxes | State/local transfer tax, mansion tax, documentary stamps | | Services borrower cannot shop for | Appraisal (creditor-selected), credit report, flood determination, tax monitoring | ### 10% Cumulative Tolerance The **aggregate total** of all 10% items on CD cannot exceed the aggregate total on LE by more than 10%. | Category | Examples | |---|---| | Recording fees | Deed recording, mortgage/deed of trust recording | | Shopped services (from lender's list) | Lender's title, settlement/closing, title search, survey, notary, pest, attorney | If borrower chose a provider **not on lender's written list**, that fee shifts to unlimited tolerance. ### Unlimited Tolerance May change freely; original LE must have been made in good faith. - Prepaid interest, insurance premiums (homeowner's, flood, MI) - Initial escrow deposits (taxes, insurance, MI, aggregate adjustment) - Property costs not required by creditor (HOA, assessments, prepaid taxes) - Services from a provider **not** on lender's list - Optional services (home warranty, optional owner's title, elective inspections) ## Variance Calculation ### Zero Tolerance For each zero-tolerance fee: `Variance = CD Amount − LE Amount` - Compliant: every variance ≤ $0 - Violation: any positive variance is the cure amount for that fee ### 10% Cumulative Tolerance
Related Skills
closing-disclosure-tolerance
Applies U.S. TRID tolerance rules to compare a residential mortgage Closing Disclosure (CD) against the controlling Loan Estimate (LE). Classifies fees by tolerance bucket, validates changed-circumstance resets, computes violations, and calculates cure amounts. Use when reviewing LE-CD variance, 10% tolerance, revised LE validity, changed circumstances, tolerance cure, or pre-closing compliance QA.
cd-tolerance-reference
Guides the agent through TRID tolerance compliance under 12 CFR § 1026.19(e)(3), comparing Closing Disclosure fees to Loan Estimate fees across zero, 10% cumulative, and unlimited tolerance categories. Use when reviewing a CD for tolerance variances, determining whether a revised LE is permitted, calculating cure amounts, or resolving post-closing tolerance violations.
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