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The Closing Disclosure (CD - formerly the HUD-1 Uniform Settlement Statement) is a three-page, government-mandated form that details the costs associated with a real estate transaction. The borrower should receive a copy of the CD at least one day prior to the closing.
A settlement statement provides a breakdown of all the closing costs and credits involved in a real estate transaction or refinance.
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.
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. If you applied for a mortgage on or before October 3, 2015, or if you are applying for a reverse mortgage, you receive a HUD-1.
A HUD-1 settlement statement, also referred to simply as a settlement statement, details every charge associated with your new loan. It also outlines who is responsible for each of those charges \u2014 the buyer or the seller \u2014 as well as any credits you may receive for things like taxes, insurance or deposits.

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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.
The Closing Disclosure, or CD, replaced the HUD-1 beginning Oct. 3, 2015.
The purchaser and seller are ultimately responsible for the accuracy of the settlement statement. The purchaser and seller are the only two parties intimately involved in every part of the transaction.
In transactions that do not include a seller, such as a refinance loan, the settlement agent may use the shortened HUD-1A form. If you applied for a mortgage after October 3, 2015, for most kinds of mortgage loans you receive a form called the Closing Disclosure instead of a HUD-1.
While the HUD-1 Settlement Statement is largely replaced by the Closing Disclosure these days, it is still used to settle cash transactions, reverse mortgages, and other loans that need not be RESPA-compliant. This is why it is important to understand the HUD-1 Settlement Statement.

settlement statement