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Is a settlement statement the same as a closing statement?
A settlement statement is also known as a HUD-1 form or a closing statement. Until 2015, when the rules changed, this form was provided twice. First, within three business days of applying for a mortgage loan, the borrower receives one in the mail with the person's estimated closing costs.
Where can I find my settlement statement?
In your case, you should start by contacting the settlement agent for the purchase of the home. Depending on how long they retain their records, they should be able to supply you with a copy of your settlement documents.
What is a buyer's settlement statement?
A settlement statement is the statement that summarizes all the fees and charges that both the home-buyer and seller face during the settlement process of a housing transaction. Typically paid for by the seller, however the contract gives the option for either buyer or seller to pay.
When should I receive the HUD-1 Settlement Statement?
The law also requires that borrowers be given a copy of the HUD-1 at least one day prior to settlement, although figures can be added, corrected, or updated up to the time the parties are seated at the closing table. Most buyers and sellers review the form with a real estate agent, attorney, or settlement agent.