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[Music] if youre in the middle of a real estate transaction you know the list of costs can become difficult to track the alta settlement statements can help simplify the process the alta settlement statement is an itemized list of all closing costs that the buyer and the seller will pay to settle the transaction simply put the ulta settlement statement is like a balance sheet for a real estate transactions [Music] so how do you read one the combined alta settlement statement lists all costs related to the transaction in the middle of the document grouped into various categories which include financial costs tax prorations loan charges impounds if required by your lender escrow and title charges real estate commissions government fees and taxes seller payoffs and other miscellaneous costs there are four types of ultra settlement statements the most common one is the combine statement which itemizes the costs in the middle with separate debit and credit columns for both the seller and