Your lender is obligated to provide you with their Closing Disclosure, which includes the loan charges and other settlement costs, at least 3 days prior to closing. However, as the settlement agent, we coordinate the final settlement statement that includes all charges, including any final adjustments between the parties. We will provide you the final settlement statement several days in advance of settlement, provided we have the final settlement figures from the lender timely. Please contact our office if you have not received from us final settlement figures at least 2 days prior to settlement.