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In Washington State, the closing disclosure document is a critical document in a real estate transaction, primarily because it provides detailed information about the loan, including the terms, costs, and other financial details. This document must be acknowledged by all parties involved to ensure transparency and understanding of the financial obligations being undertaken.

The correct answer includes the seller, buyer, and the lender as signatories on the closing disclosure document. The seller signs to confirm their agreement with the financial terms and conditions related to the sale of the property. The buyer's signature is necessary to acknowledge the terms of the loan and the specifics of the closing. Lastly, the lender's signature is included to verify that they have reviewed the disclosure and that it aligns with the loan agreement. This multi-signature requirement ensures that everyone involved has a clear understanding and agreement regarding the financial aspects of the transaction, helping to prevent misunderstandings or disputes later.

In contrast, having only the lender and the real estate agent sign would omit crucial parties from the process, potentially resulting in gaps in accountability. If only the buyer or only the seller were required to sign, it would not provide a complete picture of the transaction and could lead to issues regarding the agreement on financial terms between parties. Therefore, the involvement of all