Under TRID rule, which of the following fees is considered a zero tolerance fee and cannot increase between the loan estimate and closing disclosure?

The appraisal fee is classified as a zero tolerance fee under the TRID (TILA-RESPA Integrated Disclosure) rule. This designation means that the fee cannot increase from the amount specified in the Loan Estimate to the final Closing Disclosure. Such restrictions are in place to ensure transparency and predictability for borrowers regarding their closing costs.

The TRID rule is designed to protect borrowers by mandating that lenders provide accurate estimates of closing costs upfront. This zero tolerance aspect applies primarily to fees that are linked to services that the lender or an affiliate of the lender arranges or provides. Since the appraisal is usually ordered by the lender and is a key part of the loan approval process, its cost is closely regulated to prevent unexpected increases for the borrower.

In contrast, other fees like the title search fee, home inspection fee, and attorney fee might fall under different categories of tolerance. They can allow for some variation between the estimates and the actual charges due at closing, depending on whether they are considered "third-party" services or not. Thus, understanding which fees are subject to strict controls under TRID helps borrowers manage their overall loan costs effectively.