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 [PDF - 230 KB].

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