{"id":108093,"date":"2025-12-02T11:19:17","date_gmt":"2025-12-02T19:19:17","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=108093"},"modified":"2025-12-02T11:19:17","modified_gmt":"2025-12-02T19:19:17","slug":"what-is-an-alta-settlement-statement","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/what-is-an-alta-settlement-statement\/","title":{"rendered":"What Is an ALTA Settlement Statement?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">An ALTA settlement statement is a standardized, itemized disclosure form used in home sales to show the complete breakdown of all the money changing hands at closing. This document was created by the American Land Title Association (ALTA) to provide a transparent accounting of all parties involved in the sale.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The primary purpose of an ALTA settlement statement is to ensure all parties clearly understand how the final numbers were calculated, including costs related to the purchase price, loan fees, title charges, taxes, commissions, and more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The ALTA statement is prepared by the title company or <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-escrow\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">escrow agent<\/span><\/a><span style=\"font-weight: 400;\">, who uses it to confirm that each party receives or pays exactly what they should on closing day.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">ALTA settlement statement vs. closing disclosure<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While the ALTA statement shows the full financial picture for both sides, the federally mandated Closing Disclosure (CD) is a buyer-only document required for most mortgage loans.<\/span><\/p>\n<p><b>Key differences:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Closing disclosure<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Provided only to the borrower.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Required by the <\/span><a href=\"https:\/\/www.consumerfinance.gov\/housing\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">CFPB<\/span><\/a><span style=\"font-weight: 400;\"> under <\/span><a href=\"https:\/\/www.rocketmortgage.com\/learn\/trid\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">TRID<\/span><\/a><span style=\"font-weight: 400;\"> regulations.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Discloses loan terms, projected payments, and closing costs.<\/span>&nbsp;<\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ALTA settlement statement<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Shows both buyer and seller debits and credits.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Not regulated by federal law.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Widely used in traditional, cash, investment, and commercial transactions.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In many closings, buyers receive both documents, while sellers typically receive only the ALTA statement.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Who prepares and provides the ALTA settlement statement?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Title companies, escrow agencies, or attorney-closing offices prepare the ALTA settlement statement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Recipients typically get a draft one to three days before closing, though some states and lenders may provide it earlier or later depending on file readiness. Updated versions are sent as final numbers are confirmed.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What the ALTA settlement statement includes<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The ALTA form organizes all amounts into clear categories so buyers and sellers can see exactly how the final amount due was calculated. Standard sections include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purchase price and earnest money credits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan fees (origination, underwriting, appraisal, points)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Title insurance premiums and settlement fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.redfin.com\/blog\/how-much-is-real-estate-agent-commission-buyer-seller\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Real estate commissions<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taxes, HOA dues, and prorations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Government recording charges<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payoffs for mortgages, <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-find-liens-on-a-property\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">liens<\/span><\/a><span style=\"font-weight: 400;\">, or judgments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Miscellaneous charges (home warranties, surveys, pest inspections)<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Prorations and adjustments<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some expenses, like <\/span><a href=\"https:\/\/www.rocketmortgage.com\/learn\/property-tax\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">property taxes<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"https:\/\/www.redfin.com\/blog\/do-you-have-to-join-an-hoa\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">HOA dues<\/span><\/a><span style=\"font-weight: 400;\">, are shared between buyer and seller. The ALTA form prorates these based on the closing date, ensuring each party pays their fair share.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Loan charges and impounds<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">For financed transactions, loan charges may include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Origination and underwriting fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Discount points<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Appraisal and credit report fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prepaid interest<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If the lender requires an <\/span><a href=\"https:\/\/www.rocketmortgage.com\/learn\/impound-account\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">escrow or impound account<\/span><\/a><span style=\"font-weight: 400;\">, the buyer may also prepay property taxes, homeowner\u2019s insurance, or mortgage insurance.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Title charges and commissions<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This section outlines:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Owner\u2019s and lender\u2019s title insurance premiums<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Settlement\/escrow fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Title search and exam fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Real estate broker commissions<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Government and recording charges, payoffs, and miscellaneous<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This portion lists:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">County recording fees for the deed and mortgage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transfer taxes (if applicable)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payoffs for existing mortgages or liens<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Additional charges such as home warranties, surveys, or inspections<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Subtotals, totals, and credits vs. debits<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">At the end of the statement, the form summarizes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">All debits (amounts owed)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">All credits (payments or funds already provided)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The final <\/span><a href=\"https:\/\/www.redfin.com\/blog\/cash-to-close\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">cash to close<\/span><\/a><span style=\"font-weight: 400;\"> for the buyer or cash to seller in proceeds<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This section ensures every dollar is accounted for.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to read your ALTA settlement statement<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A step-by-step review method:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Start with the header<\/b><span style=\"font-weight: 400;\">: Verify property address, names, and closing date.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Check the purchase price and credits<\/b><span style=\"font-weight: 400;\">: Ensure <\/span><a href=\"https:\/\/www.redfin.com\/blog\/when-is-earnest-money-due\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">earnest money<\/span><\/a><span style=\"font-weight: 400;\">, seller credits, and lender credits are included.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Review loan charges<\/b><span style=\"font-weight: 400;\">: Confirm they match your lender estimates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Look at title charges<\/b><span style=\"font-weight: 400;\">: Compare against quoted premiums and fees.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Check prorations<\/b><span style=\"font-weight: 400;\">: Make sure taxes and HOA dues are calculated correctly.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Verify payoffs<\/b><span style=\"font-weight: 400;\">: Ensure old mortgages or liens are accurate.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Examine totals<\/b><span style=\"font-weight: 400;\">: Confirm that cash-to-close or seller proceeds match expectations.<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">What should you look for and why It matters<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When reviewing your ALTA statement, watch for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Incorrect prorations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Missing or duplicate fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Misapplied credits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unexpected lender or title charges<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Incorrect payoff amounts<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A careful review protects both parties from errors that could delay closing or cause financial issues down the line.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Versions of the ALTA settlement statement<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">ALTA provides multiple formats, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Buyer\u2019s statement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seller\u2019s statement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Combined statement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lender\u2019s version<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Title companies choose the version that best fits the transaction.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">When do you receive the ALTA settlement statement?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Most parties receive the ALTA statement a few days before closing once all invoices, payoffs, and lender figures are finalized. Final versions are <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-long-does-signing-closing-papers-take\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">signed at closing<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Tips for reviewing before closing<\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Request the statement as early as possible.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compare figures with your lender estimates and listing agreement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Confirm prorations based on your state\u2019s tax calendar.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ask <\/span><a href=\"https:\/\/www.redfin.com\/real-estate-agents\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">your Redfin agent<\/span><\/a><span style=\"font-weight: 400;\"> or attorney to review for accuracy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bring any discrepancies to the title company immediately.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Frequently asked questions about ALTAs<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Is an ALTA statement the same as a closing statement?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes\u2014\u201cclosing statement\u201d is a general term often used to refer to the ALTA settlement statement, which itemizes the financial breakdown of a transaction.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What is the difference between HUD and ALTA settlement statements?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-hud-1-settlement-statement-en-178\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">HUD-1<\/span><\/a><span style=\"font-weight: 400;\"> was used for most residential transactions prior to 2015. Today, most residential closings use the ALTA statement for clarity and consistency, while the buyer also receives a Closing Disclosure for federally regulated loans.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Who provides the ALTA statement in real estate?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The title company, escrow agency, or closing attorney prepares and distributes the ALTA statement.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What does ALTA stand for?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">ALTA stands for American Land Title Association.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Final thoughts on your ALTA settlement statement<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Understanding your ALTA settlement statement brings clarity and confidence to closing day. If you have questions about any line item\u2014or want help reviewing your documents\u2014reach out to your title or escrow team before signing. They\u2019re there to ensure a smooth, transparent transaction from start to finish.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>An ALTA settlement statement is a standardized, itemized disclosure form used in home sales to show the complete breakdown of all the money changing hands at closing. This document was created by the American Land Title Association (ALTA) to provide a transparent accounting of all parties involved in the sale. The primary purpose of an [&hellip;]<\/p>\n","protected":false},"author":801,"featured_media":99828,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34279],"tags":[36408],"coauthors":[36411],"class_list":["post-108093","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-selling-a-home","tag-selling-a-home"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is an ALTA Settlement Statement?<\/title>\n<meta name=\"description\" content=\"What is an ALTA settlement Statement? 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