Closing Disclosure vs Loan Estimate

[mvnup2017]

Hey MyFico'ers....thankfully I am fully approved for my new construction home, set to close 12/27. My latest case of heartburn comes from reading that the cash needed at closing on my final disclosure could be different then what's on my loan estimate. :-/

Can anyone tell me from experience how often that happens and is it usually a big increase in the amount needed at closing?

[jamevfan]

I had the heartburn we are due to close on a new construction in April of 2017 and got my disclosures yesterday and its saying 17,000 ... but the loan amount was a high estimate and needs to be lowered and i asked if i can put the 4900 in UMIP in the loan to save money upfront and my LO said i could so if you are going FHA that is one way to lower some of your costs upfront but be mindful you will being paying interest on it adding it to your loan