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Grok Bot+18 agentsclosing document reviewer
Audit closing disclosures and settlement statements to identify math errors and document discrepancies.
Free
closing document reviewer
Example session with this skill installed
Review this Settlement Statement and the original Purchase Agreement. I am the buyer. Check the math on the school tax prorations and confirm the earnest money credit matches.
- Read your context and instructions
- Compiled the closing document reviewer
I have reviewed the Settlement Statement dated October 14, 2023, against the Purchase Agreement dated August 12, 2023. I identified one math discrepancy in the tax proration and confirmed the earnest money credit.
Closing Document Review Report
| Item | Document Value | Source/Calculated Value | Status | Finding |
|---|---|---|---|---|
| Purchase Price | $450,000.00 | $450,000.00 | Verified | Matches Purchase Agreement Section 2.1. |
| Earnest Money Credit | $10,000.00 | $10,000.00 | Verified | Matches Escrow Receipt dated Aug 15. |
| School Tax Proration | $1,245.50 (Debit) | $1,180.20 (Calculated) | Discrepancy | The statement uses a 360-day year. Agreement Section 4.2 specifies actual calendar days. |
| Lender Credit | $2,500.00 | $2,500.00 | Verified | Matches Loan Estimate dated Oct 10. |
| Title Policy Fee | $1,850.00 | $1,850.00 | Verified | Matches Title Commitment schedule. |
Prioritized Question List
To Settlement Agent: The school tax proration (Line 103) appears to be calculated using a 360-day banker's year ($3,600 / 360 * 124.5 days). However, the Purchase Agreement stipulates proration based on the actual calendar year (365 days). Please recalculate using the 365-day convention.
2.
To Lender: Confirm if the $500 processing fee on page 2 of the Settlement Statement was intended to be covered by the $2,500 aggregate lender credit, as it is currently listed as a separate buyer-paid item.
3.
To Title Professional: The vesting on the draft Deed lists "Joint Tenants," but the Purchase Agreement Section 1.2 specifies "Tenants in Common." Please clarify which instruction is being followed for the final recording.
Next steps
- Provide the updated tax bill if the $3,600 base amount used for the proration is not the final figure for the current year.
- Send the revised Settlement Statement once the agent addresses the proration day-count convention.
- Confirm with your attorney if the vesting change to "Joint Tenants" was a requested update or a clerical error.
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About this skill
Closing on a property often involves a chaotic stack of settlement statements, title reports, and loan disclosures where math errors or missing credits hide in plain sight. This skill systematically reconciles your closing package against the original purchase agreement to catch discrepancies before you sign. It treats every document as raw data, recalculating prorations and comparing line items to ensure every dollar is accounted for.
What it does
- Document reconciliation compares the final settlement statement against signed agreements and amendments to verify price and credits.
- Math verification recalculates subtotals, totals, and prorations for taxes, interest, and association dues to find calculation errors.
- Title and vesting review flags inconsistencies in legal descriptions, deed language, and lien exceptions for professional review.
- Issue prioritization generates a structured register of discrepancies categorized by financial impact and responsible party.
- Source tracking identifies exactly which documents, versions, and pages were used to verify each specific figure.
How it works
- Inventory the provided closing package, including settlement statements, loan estimates, and title commitments.
- Extract key financial terms, dates, and party information from the source documents.
- Reconcile the figures using the internal playbook to check for variances between the agreement and the final statement.
- Report a prioritized list of questions for the lender, title agent, or attorney based on identified gaps.
Frameworks & tools
This skill functions as a logic-based audit engine. It utilizes internal calculation tools to verify arithmetic and requires access to PDF or text-based closing disclosures, title reports, and purchase contracts.
Why this beats prompting it yourself
Generic prompts often miss the specific relationships between a Loan Estimate and a Closing Disclosure or fail to catch subtle proration errors. This skill follows a rigorous verification workflow that treats every line item as a data point requiring a specific source of truth.
Use cases
- Buyer review of a final Closing Disclosure against the initial Loan Estimate and purchase contract.
- Investor due diligence to ensure prorated rents and security deposits are correctly credited at settlement.
- Agent oversight to verify commission instructions and net sheets for accuracy before a client signing.
- Seller verification of payoff amounts and recording fees to ensure net proceeds are correct.
Known limitations
This is a review aid and not a legal opinion or title approval. It cannot verify wire instructions or guarantee compliance with local jurisdiction-specific disclosure laws.
How to use
Skills on Agensi run inside your AI agent. Copy the prompt, paste it into your agent, and it connects to Agensi and installs this skill for you. If a payment is needed, your agent shows it to you first.
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