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The HUD-1 Settlement Statement Sample

Live instructional links for items on this HUD-1 sample .pdf


As a real estate agent or broker, it's imperative that you understand the HUD-1 Settlement Statement thoroughly. It's not so that you can do the math for the client, but at least you need to be able to explain how it was done, or where these numbers come from.

The easiest and most visual way to use this tutorial will be to download this sample .pdf HUD-1. It has live links to the tutorial items shown below. The learning process should be easier that way. However, if you can't get the .pdf or would rather, here are the links to the tutorials:

Page 1 of the HUD-1

  • Section B
  • Sections C through I
  • 100. Gross Amount Due from Borrower
  • 200. Amounts Paid by or In Behalf of Borrower
  • 300. Cash at Settlement From/To Borrower
  • 400. Gross Amount Due to Seller
  • 500. Reduction in Amount Due to Seller
  • 600. Cash at Settlement To/From Seller
  • Page 2 of the HUD-1

  • 700. Total Sales/Broker Commissions
  • 801. The Loan Origination Fee
  • 802. Loan Discount Fee
  • 803. Appraisal Fee
  • 804---The rest of the loan fees
  • 901. Mortgage Interest Calculation
  • 902---The rest of the 900 section
  • 1000. Reserves Deposited with Lender
  • The Aggregate Acct. Adj Line
  • 1100. Title Charges
  • 1200. Government Recording and Transfer Charges
  • 1300 & 1400. Additional and Total Settlement Charges
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