Thue Tncn Vietnam
dotanminh/thue-tncn-vietnam
A skill your agent uses when user asks about Vietnamese personal income tax (TNCN), tax finalization (quyet toan), dependent deductions (giam tru gia canh), freelancer/KOL/online seller tax, eTax…
Decode a mortgage Closing Disclosure line by line — which fees are real, which are shoppable or junk, and what changed since the Loan Estimate.
Install Closing Disclosure Decoder
$ npx skills add mohitagw15856/pm-claude-skills --skill closing-disclosure-decoder -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills closing-disclosure-decoder --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/closing-disclosure-decoder .claude/skills/closing-disclosure-decoder && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "closing-disclosure-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/closing-disclosure-decoder into .claude/skills/closing-disclosure-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "closing-disclosure-decoder", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/closing-disclosure-decoderType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add mohitagw15856/pm-claude-skills --skill closing-disclosure-decoder -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills closing-disclosure-decoder --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/closing-disclosure-decoder .agents/skills/closing-disclosure-decoder && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "closing-disclosure-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/closing-disclosure-decoder into .agents/skills/closing-disclosure-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "closing-disclosure-decoder", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill closing-disclosure-decoder -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills closing-disclosure-decoder --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/closing-disclosure-decoder .cursor/skills/closing-disclosure-decoder && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "closing-disclosure-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/closing-disclosure-decoder into .cursor/skills/closing-disclosure-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "closing-disclosure-decoder", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/mohitagw15856/pm-claude-skills.git --path skills/closing-disclosure-decoder--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add mohitagw15856/pm-claude-skills --skill closing-disclosure-decoder -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills closing-disclosure-decoder --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/closing-disclosure-decoder .gemini/skills/closing-disclosure-decoder && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "closing-disclosure-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/closing-disclosure-decoder into .gemini/skills/closing-disclosure-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "closing-disclosure-decoder", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install mohitagw15856/pm-claude-skills closing-disclosure-decoderInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add mohitagw15856/pm-claude-skills --skill closing-disclosure-decoder -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/closing-disclosure-decoder .github/skills/closing-disclosure-decoder && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "closing-disclosure-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/closing-disclosure-decoder into .github/skills/closing-disclosure-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "closing-disclosure-decoder", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill closing-disclosure-decoder -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install mohitagw15856/pm-claude-skills closing-disclosure-decoder --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/closing-disclosure-decoder .opencode/skills/closing-disclosure-decoder && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "closing-disclosure-decoder" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/closing-disclosure-decoder into .opencode/skills/closing-disclosure-decoder/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "closing-disclosure-decoder", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
closing-disclosure-decoder- GitHub stars
- 1.4k
- Token cost
- ~1.2k tokens
- SKILL.md length
- 595 words
- Files
- 2 (incl. references)
- Skills in repo
- 1,348
- Repo updated
- First seen
- Licence
- MIT
At a glance
Decode a mortgage Closing Disclosure line by line — which fees are real, which are shoppable or junk, and what changed since the Loan Estimate.
- Works in 5 steps: The tolerance tiers do the work: some… → Junk-fee pattern list: processing +… → Prepaids aren't fees: escrow, insurance,… → …
- Asked to decode my closing disclosure
- SKILL.md covers What This Skill Produces, Required Inputs, Framework and Output Format, plus 3 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
Closing Disclosure Decoder is an agent skill from mohitagw15856/pm-claude-skills. 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.
Its SKILL.md is about 1.2k tokens, which your agent loads only when the skill is triggered. The skill folder holds 2 other files, including reference files (for example `references/worked-example.md`).
It sits in Business, Finance & HR, covering Real estate. The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.
When your agent uses it
- Asked to decode my closing disclosure
- Review my closing costs
- Why did my costs go up
- Which fees can I negotiate
Example prompts
- “/closing-disclosure-decoder”
Workflow steps
5 steps, taken from the first numbered list in SKILL.md.
- The tolerance tiers do the work: some fee categories can't increase at all from the LE (lender fees, transfer taxes), some by a limited…
- Junk-fee pattern list: processing + underwriting + application fees stacked (same work, three names), courier/email fees, padded "doc…
- Prepaids aren't fees: escrow, insurance, per-diem interest are your money moving early — decode them as such so the outrage lands only on…
- The math check: loan amount + closing costs − deposits/credits = cash to close. Recompute it; transposition errors at closing are rarer…
- Three days is enough if used: the review clock exists precisely for this reading — schedule the lender call for day one.
What it can do on your machine
Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
No scripts in the folder and no shell commands in SKILL.md.
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Closing Disclosure Decoder loads about 1.2k tokens when it runs, and up to ~2.7k if it reads all its reference files. Until then it costs about 114 tokens; SKILL.md has 595 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.
SKILL.md
The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 595 words, ~1,202 tokens.
Download SKILL.mdSave it as
.claude/skills/closing-disclosure-decoder/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.- name
- 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.
Closing Disclosure Decoder Skill
The Closing Disclosure arrives three days before the biggest purchase of your life, formatted to discourage reading. This skill reads it: every section in plain English, every fee sorted into real / shoppable / challenge, and — the part with teeth — the comparison against the Loan Estimate, where regulated tolerance rules make some increases the lender's problem, not yours.
What This Skill Produces
- Section decode — A through J in plain English, the three-day clock stated
- Fee triage — real and fixed / shoppable-too-late-but-note-it / challenge-now, with amounts
- The LE comparison — what moved since the Loan Estimate, tolerance category per change
- Challenge scripts — exact wording for the lender call, ranked by recovery odds
- Cash-to-close check — the bottom line reconciled against your own math
Required Inputs
Ask for these only if not provided:
- The Closing Disclosure (page-by-page paste or the figures)
- The Loan Estimate — the comparison is the leverage; without it, decode-only and say so
- Closing date — the three-business-day review clock
- Anything that changed — rate lock, loan amount, program — legitimate changes reset some tolerances
Framework
- The tolerance tiers do the work: some fee categories can't increase at all from the LE (lender fees, transfer taxes), some by a limited amount in aggregate (recording, required-provider services), some float freely (prepaids, per-diem interest). Sort every increase into its tier — over-tolerance increases are typically refundable at or after closing. Flag with "tolerance rules per applicable regulation — verify jurisdiction specifics."
- Junk-fee pattern list: processing + underwriting + application fees stacked (same work, three names), courier/email fees, padded "doc prep," title add-ons never requested. Challenge with the script, not with anger.
- Prepaids aren't fees: escrow, insurance, per-diem interest are your money moving early — decode them as such so the outrage lands only on actual costs.
- The math check: loan amount + closing costs − deposits/credits = cash to close. Recompute it; transposition errors at closing are rarer than folklore says but catastrophic when real.
- Three days is enough if used: the review clock exists precisely for this reading — schedule the lender call for day one.
Output Format
Show full SKILL.md (257 more words)Show less
Closing Disclosure Decode: [property] — closing [date], review clock ends [date]
Verdict: clean / call the lender today about [n] items / discrepancy needs resolution before signing
Sections A–J, decoded [table: line · plain English · triage] Changed since the Loan Estimate | Fee | LE | CD | Δ | Tolerance tier | Your move | The challenge list — ranked, with scripts ("Line B-4 increased $310 beyond the Loan Estimate; that category has zero tolerance — please correct or document the changed circumstance.") Cash to close, reconciled: [their number] vs [computed] — [match/discrepancy]
End verbatim: "This is a plain-language reading, not legal or lending advice — disclosure and tolerance rules vary by jurisdiction and loan type; confirm anything load-bearing with your closing attorney or settlement agent before signing."
Quality Checks
- Every LE→CD increase is assigned a tolerance tier
- Prepaids are decoded as your-money-moving, separate from fees
- Challenge scripts quote line numbers and amounts
- Cash-to-close is independently recomputed
- The three-day clock dates appear in the header
- The disclaimer appears verbatim
Anti-Patterns
- Do not rage at the total — the leverage lives line-by-line in the tolerance tiers
- Do not treat prepaid escrow as a junk fee — misdirected outrage burns the real challenges
- Do not accept "that's standard" on stacked processing fees — standard is not a tolerance category
- Do not let the clock expire politely — the review period is for reviewing; day one, not day three
- Do not present tolerance rules as universal law — flag jurisdiction/loan-type variation and refer to the settlement agent
Example Trigger Phrases
- "Decode my closing disclosure."
- "Review my closing costs."
- "Why did my costs go up?"
- "Which fees can I negotiate?"
© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
SKILL.md and 1 other file (references) in skills/closing-disclosure-decoder of mohitagw15856/pm-claude-skills.
- SKILL.md
- references/worked-example.md
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
Closing Disclosure Decoder next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Closing Disclosure Decoder this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~1.2k | Automated safety check: Pass | MIT | |
| Thue Tncn Vietnamdotanminh/thue-tncn-vietnam | 241 | — | ~2.8k | Automated safety check: Pass | None | |
| Apartment Finderhanzili/hanzi-browse | 177 | — | ~2.1k | Automated safety check: Pass | Custom licence | |
| Realestate Commercialzubair-trabzada/ai-realestate-claude | 177 | — | ~3.2k | Automated safety check: Pass | MIT | |
| Vet PRetewiah/awesome-real-estate | 374 | — | ~1.5k | Automated safety check: Pass | CC0-1.0 | |
| Realestate Comparezubair-trabzada/ai-realestate-claude | 177 | — | ~3.7k | Automated safety check: Pass | MIT |
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Related
Categories
Questions about Closing Disclosure Decoder
What does Closing Disclosure Decoder do?
Decode a mortgage Closing Disclosure line by line — which fees are real, which are shoppable or junk, and what changed since the Loan Estimate. Closing Disclosure Decoder is an agent skill from mohitagw15856/pm-claude-skills. Decode a mortgage Closing Disclosure line by line — which fees are real, which are shoppable or junk, and what changed since the Loan Estimate.
When should I use Closing Disclosure Decoder?
Closing Disclosure Decoder fits situations like: asked to decode my closing disclosure; review my closing costs; why did my costs go up; which fees can I negotiate.
How do I install Closing Disclosure Decoder in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill closing-disclosure-decoder -a claude-code`. Or copy the skill folder (skills/closing-disclosure-decoder in mohitagw15856/pm-claude-skills) into .claude/skills/closing-disclosure-decoder in your project. Claude Code loads it when a task matches its description.
How do I install Closing Disclosure Decoder in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill closing-disclosure-decoder -a codex`. Or copy the skill folder (skills/closing-disclosure-decoder in mohitagw15856/pm-claude-skills) into .agents/skills/closing-disclosure-decoder in your project. Codex loads it when a task matches its description.
Can I use Closing Disclosure Decoder in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill closing-disclosure-decoder -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/closing-disclosure-decoder, .gemini/skills/closing-disclosure-decoder, .github/skills/closing-disclosure-decoder and .opencode/skills/closing-disclosure-decoder in your project.
What does Closing Disclosure Decoder need to run?
SKILL.md names no scripts, command-line tools or credentials: Closing Disclosure Decoder is instructions for the agent only.
Does Closing Disclosure Decoder access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Closing Disclosure Decoder safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
What licence does Closing Disclosure Decoder use?
Closing Disclosure Decoder is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Closing Disclosure Decoder use?
About 1.2k tokens (SKILL.md is roughly 4.8k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 1.5k tokens, read only when the agent opens those files.
What are the alternatives to Closing Disclosure Decoder?
Skills that share tags, products or a category with Closing Disclosure Decoder: Thue Tncn Vietnam (dotanminh/thue-tncn-vietnam, 241 stars), Apartment Finder (hanzili/hanzi-browse, 177 stars), Realestate Commercial (zubair-trabzada/ai-realestate-claude, 177 stars) and Vet PR (etewiah/awesome-real-estate, 374 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Closing Disclosure Decoder?
mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,433 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 8, 2026.
Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.