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so are you ready to go over your numbers hi im mark stiles of styles law down here at studio b and today what i want to do is go over the alta settlement statement so if youre a buyer or a seller of residential real estate in the commonwealth of massachusetts youre inevitably going to see this document right here and what it does is it explains all of the money transferring hands okay so lets get started what youll see is at the top who the buyers are and who the sellers are and who the lender in the transaction is as well as the closing date now as you go down youll also see the disbursement date so if this is a refinance transaction and you have a three business day right of recision the disbursement date will be different than the closing date if we continue down youll see two sides of the sheet on the left side is specifically for the seller on the right hand side is specifically for the buyer slash borrower and each side has a credit and a debit column lets start with the