by Randy Carey:
The borrower must receive a correct CD before closing. Whether that CD is delivered three business days prior to closing or a revised CD sometime before closing or at the time of closing. Only delivery is required and signatures on a CD is a lender option.
by John Burnett
The only timing issue in your scenario is whether the CloD reflecting the changed circumstance adjustments was received by the third business day (general definition) after learning of the changed circumstance, but no later than consummation.