{"slug":"mohitagw15856-closing-disclosure-decoder","source_name":"mohitagw15856/closing-disclosure-decoder","name":"Mohitagw15856/Closing Disclosure Decoder","description":"Decode a mortgage Closing Disclosure line by line — which fees are real, which are shoppable or junk, and what changed since the Loan Estimate. Use when asked to decode my closing disclosure, review my closing costs, why did my costs go up, or which fees can I negotiate. Produces a section-by-section decode, the Loan-Estimate comparison with tolerance flags, the challenge list with scripts, and the cash-to-close verification.","version":1,"lift":{"pass_rate_delta_pts":4.55,"pass_rate_pct":90.9,"total_cases":22,"passed_cases":20,"tokens_delta_pct":25.8,"turns_delta_pct":0,"verdict":"mixed","benchmark_model":"gemini-3.6-flash","grading_method":"judged","completed_at":"2026-08-14T03:19:31.928153+00:00"},"skill_score":0.9091,"benchmark_models":[{"model":"gemini-3.6-flash","headline":true,"delta_pts":4.55,"with_pass_pct":90.9,"without_pass_pct":86.4,"tokens_delta_pct":25.8,"turns_delta_pct":0,"total_cases":22,"cases_aggregated":22,"verdict":"mixed","never_hurt":false,"completed_at":"2026-08-14T03:19:31.928153+00:00","run_id":"5b3495aa-1974-4be3-8db0-6e35c0b3fdcf","version_number":1,"is_latest_version":true,"gate":null}],"trust":{"skill_safety":"passed","safety_status":"clean","intent_verdict":"safe","content_status":"clean","indexable":true},"license":"MIT","install_count":0,"manifest_hash":"b2355506c06b8c668316187eb47b6d8a2c2eb2eab2a379d2014451fbb083e061","raw_url":"https://app.decimal.ai/s/mohitagw15856-closing-disclosure-decoder/SKILL.md","scorecard_url":"https://app.decimal.ai/skills/mohitagw15856-closing-disclosure-decoder"}