Drop in any TRID Closing Disclosure PDF — purchase, refinance, HELOC, or construction-to-perm — and get a clean Excel file with loan terms, projected payments, closing costs, prepaids, escrow, and cash to close. Built for real estate accountants, mortgage brokers, lenders' QA teams, and CPA firms handling investor portfolios.
TRID-mandated Closing Disclosures (the post-2015 replacement for the HUD-1) have a strict 5-page format with loan terms, projected payments, costs at closing (Loan Costs A/B/C, Other Costs E/F/G/H), and the cash-to-close summary. The structure is rigid; the data is exactly what real estate accountants, mortgage QA, and investor reporting teams need. The problem: the PDF is the only output. There's no machine-readable XML companion, no e-MISMO data feed accessible to small brokerage / accounting shops.
Real estate investors holding 30 properties want a portfolio-level view of acquisition costs (CDs from each closing). Mortgage broker QA teams reconcile their lock data against the issued CD line by line. CPA firms preparing real estate investor returns need the Section A/B/C/E/F/G fees broken out for tax basis. Manual retyping is the current state — and a single CD has 60+ line items.
PDFExcel reads TRID Closing Disclosures by page section. Page 1: loan terms (rate, P&I, escrow, prepayment penalty, balloon). Page 2: Loan Costs (A: origination, B: services borrower didn't shop, C: services borrower shopped) and Other Costs (E: taxes/government, F: prepaids, G: initial escrow, H: other). Page 3: cash-to-close summary, summaries of transactions. Page 4: loan disclosures, escrow account info. Page 5: contact info. Each line item extracts as its own row tagged by section.
Drop the result into your real estate investor portfolio sheet, mortgage QA reconciliation, or tax-basis workbook. Pair with real estate persona for the broader real-estate document workflow (leases, ALTA settlement statements, 1098 mortgage interest).
Trained on real TRID Closing Disclosures from major lenders. Page section structure (A/B/C/E/F/G/H) preserved — fees stay tagged to their TRID section for tax-basis breakouts and QA reconciliation.
Most CD-extraction tools either need lender LOS API access (lender-only) or are part of a $thousand/month real-estate accounting suite. PDFExcel reads any closing-package PDF directly — no LOS access, no integration project.
Section-tagged line-item fees from a TRID CD. Pivot by section for tax-basis breakouts (origination → loan basis, prepaids → operating expense, initial escrow → asset). Aggregate across portfolio for total acquisition cost view.
| # | Section | Line Item | Amount | Paid By | Type |
|---|---|---|---|---|---|
| 1 | A — Origination | Application Fee | $295.00 | Borrower | POC |
| 2 | A — Origination | Origination Charge — 0.5% | $2,250.00 | Borrower | Closing |
| 3 | B — Did NOT Shop | Appraisal Fee | $725.00 | Borrower | POC |
| 4 | C — Did Shop | Title — Lender's Title Insurance | $840.00 | Borrower | Closing |
| 5 | E — Gov / Taxes | Recording Fee | $185.00 | Borrower | Closing |
| 6 | F — Prepaids | Prepaid Interest (12 days @ 6.5%) | $1,180.00 | Borrower | Closing |
| 7 | G — Initial Escrow | Property Tax (3 mo) | $2,400.00 | Borrower | Closing |
Real estate investors tracking acquisition costs across portfolios, real estate accountants preparing investor returns, mortgage broker / lender QA teams reconciling locks against issued CDs, CPA firms preparing real estate K-1s and Schedule E.
30-property portfolio. Pull every CD into Excel; build the acquisition-cost schedule by property; tag tax-basis-eligible costs (origination, recording) separately from prepaids (deductible operating expense). Tax prep workpaper ready in hours vs the prior weeks.
Reconcile locked rate sheet against issued CD. PDFExcel pulls Section A/B/C line items; compare against lock; flag drift for tolerance review.
Investor's LLC bought 4 properties last year. Pull all 4 CDs into Excel; build basis schedules for each; allocate to K-1 sections for limited-partner reporting.
Yes. Each line item is tagged by its TRID section. This matters for tax basis (Loan Costs vs Other Costs treatment differs) and for QA (compare lock against Section A only).
Some — the HUD-1 has different line numbering (200/700/800/1000/1100/1200/1300). The model handles common HUD-1 layouts but is best-tuned on post-2015 TRID CDs. For exclusively HUD-1 portfolios, validate accuracy on a sample first.
Yes. ALTA Settlement Statements (the title-company-side companion to the TRID CD) extract with similar structure — borrower / seller / lender allocations preserved.
10 documents per month, free, forever. Most individual investors and small CPA practices fit free or Starter; mid-size portfolios fit Pro at $199/200 docs.
Yes. Drop a portfolio as a ZIP, get back one Excel with all line items tagged by property + section. See batch processing for the broader workflow.