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BUYING YOUR HOME Settlement Costs and Helpful Information U.S. Department of Housing and Urban DevelopmentU.S. Department of Housing and Urban Development Office of Housing - Federal Housing AdministrationOffice of Housing - Federal Housing Administration June 1997June 1997 HUD-398-H(4)HUD-398-H(4) Table of ContentsTable of Contents I.I. IntroductionIntroduction II.II. Buying Financing A HomeBuying Financing A Home A. Role of the Real Estate Broker B. Selecting an Attorney C. Terms of the Agreement of Sale D. Shopping For a Loan E. Selecting a Settlement Agent F. Securing Title Services G. RESPA Disclosures H. Processing Your Loan Application I. RESPA Protection Against Illegal Referral Fees J. Your Right to File Complaints III.III. Your Settlement CostsYour Settlement Costs A. Specific Settlement Costs B. Calculating the Amount You Need At Settlement C. Adjustments To Costs Shared By Buyer and Seller D. HUD-1 Settlement Statement IV.IV. AppendixAppendix 1- I.I. IntroductionIntroduction ongratulations! You have decided to buy a new home. This booklet will help you take this big C financial step by describing the home buying, home financing, and settlement process. Lenders and