I am staring at my Bank of America closing disclosure right now and need someone to explain if these prepaid interest charges are normal for a closing happening on the last day of the month.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I am staring at my Bank of America closing disclosure right now and need someone to explain if these prepaid interest charges are normal for a closing happening on the last day of the month.
1 real search · 1 real-search pass
Bank of America mortgage closing disclosure prepaid interest per diem interest funding date end of month explanationGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
Bank of America mortgage closing disclosure prepaid interest per diem interest funding date end of month explanation Google ↗
- What are prepaid interest charges? · consumerfinance.gov
- Closing disclosure explainer · consumerfinance.gov
- TILA-RESPA Integrated Disclosure FAQs · consumerfinance.gov