alta-settlement-statement
ALTA Settlement Statement
Drafts a mathematically balanced, ALTA-compliant settlement statement allocating all transaction costs between buyer and seller at closing.
Prerequisites
- Purchase and Sale Agreement — sales price, earnest money, seller concessions, cost allocation.
- Title Commitment — premiums, endorsements, exception items requiring payoff.
- Loan Documents — new loan amount, lender fees, prepaid items.
- Payoff Statements — existing mortgage(s) and lien balances with per diem rates.
- Closing/Disbursement Dates — both required for proration calculations.
- Tax Records — current year amount, payment status (arrears vs. advance), last paid date.
- HOA Documents — dues, transfer fees, special assessments.
- Commission Instructions — total amount and brokerage split.
Output Structure
Header Block
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