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Real Estate

Fill out HUD-1 Settlement Statement online

The HUD-1 Settlement Statement is a standardized form that itemizes all charges imposed on the borrower and seller in a real estate transaction. It details the loan terms, closing costs, escrow deposits, real estate commissions, title fees, and prorated taxes. While largely replaced by the CFPB Closing Disclosure for most transactions after October 2015, the HUD-1 is still used for reverse mortgages, HELOCs, and some manufactured housing transactions.

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HUD-1 Settlement Statement - simplepdf.com
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How to fill out HUD-1 Settlement Statement

1

Review borrower and seller information

Verify that the names, property address, settlement date, and loan information in Section A through J are correct.

2

Review settlement charges (page 2)

Examine all itemized charges in Sections 800-1400: real estate commissions, loan charges, title charges, government recording fees, and additional settlement charges. Compare against the Good Faith Estimate.

3

Check prorations and adjustments

Review Sections 106-112 and 406-412 for prorated property taxes, HOA dues, rent credits, and other adjustments between buyer and seller.

4

Verify totals and sign

Confirm the total settlement charges, cash to/from seller, and cash due from/to borrower are correct. Sign and date the form at closing.

About HUD-1 Settlement Statement

Who needs this form

Settlement agents (title companies, attorneys) prepare the HUD-1 for the buyer and seller. It is used in reverse mortgage transactions, home equity lines of credit (HELOCs), and certain manufactured housing loans that are not covered by the TILA-RESPA Integrated Disclosure (TRID) rules.

Where to submit

Provided to the borrower at or before closing. The settlement agent retains the original, and copies go to the buyer, seller, and lender for their records. It is not filed with a government agency.

Source and content freshness

Official source (www.hud.gov)
  • Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.

Common mistakes to avoid

  • Charges on the HUD-1 not matching the Good Faith Estimate (outside allowed tolerances)
  • Prorated taxes or HOA dues calculated incorrectly between buyer and seller
  • Missing or incorrect real estate commission splits
  • Not reviewing the form before the closing date (borrowers should request it 24 hours in advance)
  • Confusing the HUD-1 with the Closing Disclosure, which replaced it for most transactions

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Is the HUD-1 still used?
For most residential purchase and refinance transactions, the HUD-1 was replaced by the CFPB Closing Disclosure on October 3, 2015, as part of the TILA-RESPA Integrated Disclosure (TRID) rules. However, the HUD-1 is still used for reverse mortgages (HECMs), home equity lines of credit (HELOCs), certain manufactured housing transactions, and any transaction not covered by TRID.

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