Photo: Ken DoerrBefore you close on a mortgage, you’ll need to make sure the final costs of the loan are in line with the estimates you were given when you applied.
That’s where the settlement statement comes in.
A settlement statement, also called a HUD-1, is a 3-page form that shows your actual closing costs when you sign your loan papers and finalize your mortgage.This line-by-line itemization of costs allows you to see exactly where your money is going when you close on a mortgage. It’s used both for home purchases and refinances.
Learn how you can use this form to make sure you're not getting cheated at the closing table in my Mortgage-Calc.com article, A settlement statement helps you compare estimated, final costs.
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