Is there a HUD-1 for a refinance?
Mia Ramsey
Published May 17, 2026
The HUD-1 Settlement Statement is a document that lists all charges and credits to the buyer and to the seller in a real estate settlement, or all the charges in a mortgage refinance. In transactions that do not include a seller, such as a refinance loan, the settlement agent may use the shortened HUD-1A form.
What is the difference between a HUD-1 and a closing disclosure?
Another big distinction between the Closing Disclosure and the HUD-1 is where the HUD-1 listed all terms, charges and credits for both the buyer and the seller, the Closing Disclosure has a separate form for the buyer as it does for the seller. This provides for more consumer protection at the closing table.
A HUD-1 form is most commonly used for reverse mortgages and mortgage refinance transactions. However, if you applied for a mortgage on or before October 3, 2015, you received a HUD-1. In transactions that do not include a seller, such as a refinance loan, the settlement agent may use the shortened HUD-1A form.
Who uses a HUD-1?
What is an HUD-1 statement? The HUD-1 statement is a settlement form used to itemize and reconcile all the charges paid by the buyer and seller in purchasing real estate. The form is currently used for the settlement of reverse mortgages and mortgage refinancing.
What are the fees on A HUD-1 refinance?
This government-standardized form lists all the fees associated with your loan, with entries for fees such as loan origination, APR, prepaid property taxes, mortgage insurance and title insurance. It also includes a final figure of the exact amount you need to pay to close the deal.
Where are closing costs listed on A HUD-1?
These fees, called closing costs, are applicable to refinance as well as purchase transactions and are listed on the HUD-1 Settlement Statement. If you’ve already purchased a home, you’re probably familiar with the HUD-1 Settlement Statement.
What are the fees on a HUD 1 settlement statement?
If you’ve already purchased a home, you’re probably familiar with the HUD-1 Settlement Statement. This government-standardized form lists all the fees associated with your loan, with entries for fees such as loan origination, APR, prepaid property taxes, mortgage insurance and title insurance.
Where can I get a HUD 1 form?
HUD-1.com is the world’s premiere web-based HUD-1 and Closing Disclosure forms generator. Hud-1.com makes it quick and easy to create the Closing Disclosure and Hud-1 forms. No software to download or installation worries.
