The Closing Disclosure, signed by the borrower at closing, contains the incorrect escrow holdback dollar amount. At the closing, the holdback dollar amount was increased and all parties executed a holdback agreement reflecting the increased amount. The seller's Closing Disclosure reflects the correct dollar amount. A post consummation Closing Disclosure was delivered to the borrower with the corrected dollar amount of the holdback. Is there any reason this post consummation Closing Disclosure must be signed by the borrower? Is evidence of delivery of the letter of explanation regarding the correction and the corrected Closing Disclosure sufficient?

There are no signature requirements on any CD - post closing or otherwise. Signatures are optional under the regulation.

Thank you!