I have always tried to estimate a little bit to the high side, so the surprises are less apparent.After the loan is approved, and you are getting near the closing, the settlement costs will be used from your Good Faith Estimate in a more precise manner.

The HUD reference was to the HUD settlement statement from the initial purchase.Yea.

That would be double dipping.You want to line up a title company sooner rather than later, give them the preliminary contract and ask them to prepare the HUD-1 settlement statements.

This is not a government funded program, the banks reached a settlement where the funds are coming from the banks to help homeowners.

Shopping the mls is also an settlements.

Many of those deal aren't deals, they are divorce settlements, transfers to family or trusts may be investors putting stuff in an llc.Sounds too like your Realtor just put you on the public side of the mls, solds are there but limited to mls members, a Realtor giving out access to the public would be in for it, doubt you'll have that much of a favor unless you marry them.Try courthouse records, multiple mortgagors are buyers with financing, grantees with no deed of trust are cash buyers.

but came in VERY handy in my recovery efforts) and finally negotiated a $500/mo settlement until paid... the judgment was for about $3500.

Who pays the premium is usually by local custom, usuallt one pays for the search the other pays for title coverage.Taxes are pro-rated to the day of closing, you pay yours and they pat thiers, how taxes are collected depends on when you close, like December or in April for example as tax liability can be compensated by credits to the transaction, assumptions of escrows or paid at settlement, which goes to local custom.

., Point is: LLC was used as a heavy bargaining chip for the settlement that was reached.

If you don't have it, request a copy of the HUD-1 settlement statement from the title company -- you'd need that for tax purposes, anyway.