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3/13/2020 What is a HUD-1 Settlement Statement?

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UPDATED SEP 12, 2017

What is a HUD-1 Settlement Statement?

The HUD-1 Settlement Statement is a document that lists all charges and credits

to the buyer and to the seller in a real estate settlement, or all the charges in a

mortgage refinance.

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If you applied for a mortgage on or before October 3, 2015, or if you are applying for a

reverse mortgage, you receive a HUD-1. In transactions that do not include a seller, such as

a refinance loan, the settlement agent may use the shortened HUD-1A form.

If you applied for a mortgage after October 3, 2015, for most kinds of mortgage loans you

receive a form called the Closing Disclosure instead of a HUD-1.

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