The HUD-1 statement that you are referring to deals solely with the real estate transaction that you closed either a purchase with a loan obtained or a refinance of an existing loan. Such statement cannot be used to confirm the terms of your loan.It is used to confirm the debits and credits out of the presumed formal escrow that you had on the real estate transaction you are writing about.To confirm the terms of your loan, you need to carefully read your promissory note and calculate what your monthy payment would be based upon the interest rate and the loan's term with your lender. For additional questions that you may have, I suggest that you consult with a real estate attorney.