Every agent has had this happen: the Closing Disclosure goes out a day late and the signing you promised your clients moves. Under TRID, the CD has to reach the borrower three days before consummation. The 2027 TRID Calendar from Fidelity National Title lets you look up any date in 2027 and see the earliest signing date right away.
Download the free 2027 TRID Calendar (PDF)
What the TRID 3-day rule means for agents
Here’s the short version from the calendar’s own notes:
- The period is counted in days, not hours. The calendar says the disclosure “must be delivered three days before closing, and not 72 hours prior to closing.”
- Sundays and observed holidays don’t count. On the calendar they show up in red, with a dash where a signing date would be.
- Delivery method matters. Hand delivery and mail delivery each get their own row, and the mail dates come later.
- E-delivery is an option. Disclosures “may also be delivered electronically to start the Delivery Period and may be signed in compliance with E-Sign requirements.”
How to read the calendar
Each month has three rows:
- CD delivery date: the day the Closing Disclosure goes out.
- Signing Date (Hand): the earliest signing date if the CD was hand-delivered that day.
- Signing Date (Mail): the earliest signing date if the CD was mailed that day.
Find the delivery date in the top row and read straight down. Page 2 also has a reference by day of the week chart. A CD hand-delivered on Monday signs Thursday, Tuesday signs Friday, Wednesday signs Saturday, Thursday signs Monday, and Friday signs Tuesday. A mailed CD signs on the same weekday the following week. Sunday is never counted.
Worked examples (read straight off the 2027 calendar)
- A normal week: a CD hand-delivered Wednesday, January 6, 2027 can sign on Saturday, January 9.
- A holiday weekend: a CD hand-delivered Thursday, January 14, 2027 can’t sign until Tuesday, January 19. Sunday 1/17 and Martin Luther King Jr. Day (Monday 1/18) are both skipped. If that same CD is mailed on January 14, the earliest signing date is Friday, January 22.
- Thanksgiving week: a CD hand-delivered Monday, November 22, 2027 can sign on Friday, November 26, because Thanksgiving (Thursday 11/25) doesn’t count. Mailed that same Monday, it signs on Tuesday, November 30.
- Memorial Day: a CD hand-delivered Thursday, May 27, 2027 signs on Tuesday, June 1. Sunday 5/30 and Memorial Day (5/31) are skipped.
2027 dates that affect your signing date
According to the calendar, these 2027 dates push signing dates out:
| Date | Holiday |
|---|---|
| Jan 1 | New Year’s Day |
| Jan 18 | Martin Luther King Jr. Day |
| Feb 15 | Presidents’ Day |
| May 31 | Memorial Day |
| June 19 | Juneteenth Independence Day |
| Jul 5 | Independence Day (observed) |
| Sept 6 | Labor Day |
| Oct 11 | Columbus Day |
| Nov 11 | Veterans Day |
| Nov 25 | Thanksgiving Day |
| Dec 25 | Christmas Day |
The calendar also notes that Fidelity National Title is open for business on Columbus Day and Veterans Day and can sign eligible borrowers.
Get your copy
Print the calendar, keep it at your desk, and share it with your team and your lender partners. Download the 2027 TRID Calendar (PDF), or comment “TRID” on any of my posts and I’ll send it to you.
Do you have questions about a closing timeline, or want a stack of printed copies for your office? Contact Ryan J. Orr, VP at Fidelity National Title in Rancho Cucamonga, at TeamTitleGuy.com.
Disclaimer (paraphrased from the calendar): This calendar is general information to help real estate professionals estimate when a transaction with an applicable loan may consummate. It isn’t legal advice. The CFPB rule that sets these time periods also allows them to be shortened or extended in some situations. Every transaction is different, and the lender has the final say on the actual consummation date, so check with your escrow officer or loan officer for your transaction. The content is for informational purposes only and is considered reliable but not guaranteed.