Home Purchase Expenses Matrix

On July 21, 2015, the Consumer Financial Protection Bureau (CFPB) issued the Truth in Lending Act (TILA)-Real Estate Settlement Procedures Act (RESPA) Integrated Disclosure (TRID) rule implementing new mortgage disclosure requirements and forms effecting real estate settlements effective October 3, 2015.  The new forms are a detail “Loan Estimate” and “Closing Disclosure” which replaces the final “Truth-in-Lending” disclosure and “HUD-1 Settlement Statement.”  The new forms changed many of the form's categories.

According to the FTR, some settlement charges are reimbursable but some are not.  The new forms raised a number of questions about which items are reimbursable under the FTR.  GSA has worked with a team of relocation experts to develop a matrix that lists every item on the new forms, provides a description for each one, and discusses whether, and to what extent, each item is reimbursable under the FTR.


Access the Home Purchase Expenses Matrix.

Last Reviewed 2016-07-13