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Settlement Statement Calculator
Balance the closing before the closing. The settlement statement takes every title bill line and adds the settlement and closing-cost fees, prorations, payoffs and deposits — down to the buyer's cash to close and the seller's net.
What the statement includes
| Item | Detail |
|---|---|
| Layout | HUD-style preliminary settlement statement |
| Title bill | Every title bill line carried in |
| Prorations | Property-tax adjustments (annual or quarterly basis) and rent prorations for tenant units |
| Payoffs and credits | Seller mortgage payoff, deposit already paid, security deposits held by the seller |
| Lender charges | Appraisal, credit report, prepaid interest, homeowner insurance, construction holdback |
| Totals | Buyer cash to close and seller net funds; for a refinance, cash back to or required from the borrower |
Frequently asked
What layout does the settlement statement use?
A HUD-style preliminary settlement statement with buyer and seller columns. It includes every title bill line plus the additional settlement and closing-cost fees.
Does it prorate taxes and rent?
Yes. It prorates property taxes for the period on an annual or quarterly basis, split by the closing date, and prorates rent per unit whether or not the tenant has paid the month.
What totals does it produce?
The buyer's cash to close and the seller's net funds after payoff. On a refinance it shows the cash back to the borrower or the cash required.
Can I export it?
Yes. Download it as a PDF or Excel file, or email it to a recipient.