Estimate of closing costs the lender is required (under the federal real estate settlement procedures act) to give to the buyer within at least three days of applying for a mortgage loan. This is the lender’s estimate – it must be completely accurate regarding the lender’s own charges and is supposed to be reasonably close to the charges third-party providers such as title insurers/agents, attorneys, surveyors, etc., may change. You should check with those third-party providers, however, regarding how much they will charge if you have any questions or concerns prior to settlement.