CDF Page 3 is the equivalent of HUD-1 Page 1 for a purchase transaction. The format is very similar to the HUD-1:

• HUD Section 100 Buyer Debits = CDF Section K
• HUD Section 200 Buyer Credits = CDF Section L
• HUD Section 400 Seller Credits = CDF Section M
• HUD Section 500 Seller Debits = CDF Section N

These two sections hold the same types of charges – buyer debits.

• HUD line 101 = CDF K.01 (sales price)
• HUD line 102 = CDF K.02 (personal property)
• HUD line 103 = CDF K.03 (settlement charges to borrower)
• HUD line 106 = CDF K.08 (city tax proration)
• HUD line 107 = CDF K.09 (county tax proration)
• HUD line 108 = CDF K.10 (assessment proration)

Other buyer debits that would have previously been entered in the HUD 100 section should also now go into CDF Section K.

These two sections hold the same types of charges – buyer credits.

• HUD line 201 = CDF L.01 (earnest money deposit)
• HUD line 202 = CDF L.02 (loan amount)
• HUD line 203 = CDF L.03 (existing loans taken subject to)
• HUD line 210 = CDF L.12 (city tax proration)
• HUD line 211 = CDF L.13 (county tax proration)
• HUD line 212 = CDF L.14 (assessment proration)

Other buyer credits that would have previously been entered in the HUD 200 section should appear in CDF Section L.

These two sections hold the same types of charges – seller credits.

• HUD line 401 = CDF M.01 (sales price)
• HUD line 402 = CDF M.02 (personal property)
• HUD line 406 = CDF M.09 (city tax proration)
• HUD line 407 = CDF M.10 (county tax proration)
• HUD line 408 = CDF M.11 (assessment proration)

Other seller credits that would have previously been entered in the HUD 400 section should appear in CDF Section M.

These two sections hold the same types of charges – seller debits.

• HUD line 501 = CDF N.01 (excess deposit)
• HUD line 502 = CDF N.02 (settlement charges to seller)
• HUD line 503 = CDF N.03 (existing loans taken subject to)
• HUD line 504 = CDF N.04 (payoff first mortgage)
• HUD line 505 = CDF N.05 (payoff second mortgage)
• HUD line 510 = CDF N.14 (city tax proration)
• HUD line 511 = CDF N.15 (county tax proration)
• HUD line 512 = CDF N.16 (assessment proration)

Other seller debits that would have previously been entered in the HUD 500 section should appear in CDF Section N.

Commissions that were previously entered in the HUD 700 section (lines 701, 702, etc.) should appear in CDF Section H.

Fees that were previously entered in the HUD 800 section should appear in CDF Sections A, B, or C. Your lender will tell you which section to use for each fee. Anything paid to the lender or mortgage broker directly will typically appear in Section A, while fees paid to other parties (such as credit report or appraisal fees) will typically appear in Section B or occasionally in Section C.

Fees previously entered in the HUD 900 section should appear in CDF Section F:

• HUD line 901 = CDF F.03 (prepaid interest)
• HUD line 902 = CDF F.02 (mortgage insurance)
• HUD line 903 = CDF F.01 (homeowner’s insurance)

Fees previously entered in the HUD 1000 section should appear in CDF Section G:

• HUD line 1001 = CDF section G total (sum of initial escrow account deposit)
• HUD line 1002 = CDF G.01 (homeowner’s insurance)
• HUD line 1003 = CDF G.02 (mortgage insurance)
• HUD line 1004 = CDF G.03 (property taxes)

Last line in HUD section 1000 = Last line in CDF section G (aggregate adjustment)

Fees previously entered in the HUD 1100 section can appear in either CDF Sections B, C, or H. No specific lines are required for any specific title or escrow fees because Sections B, C, and H do not contain any hard-coded descriptions and will alphabetize the fees as required by the CFPB.

The owner’s policy premium will always appear in Section H since it is not required by the lender. Any other title or escrow fees that are not required by the lender would also appear in Section H.

Any title or escrow fees required by the lender should appear in Section B or C, depending on whether or not the borrower shopped for these services. The lender will tell you which section to use if you are unsure.

In general, your fees should be itemized on the CDF, not rolled up to a single line as they were with HUD line 1101 and HUD line 1102. Additional lines can be added to the appropriate sections on CDF Page 2 if needed to accommodate this itemization.

The CFPB does not require that each endorsement be disclosed separately. To include them on the same line as the policy premium, choose “Same line as parent policy” in the Group Endorsements drop-down on the Options screen. To itemize them on separate CDF lines, choose “None” in the Group Endorsements drop-down. Even if endorsements are grouped on the same line as the parent policy on the CDF, the CDF Attachment and Settlement Statement documents will list the details and charge for each endorsement.

These amounts are not disclosed on the CDF as they were on the HUD-1. The settlement statements will include this information for CDF orders.

These amounts are not disclosed on the CDF as they were on the HUD-1.

Fees previously entered in the HUD 1200 section should appear in CDF Section E:

• HUD line 1201 / 1202 = CDF E.01 (recording fees)
• HUD lines 1203-1205 = CDF E.02 (transfer taxes)

Additional lines can be added to this section to further itemize government charges.

Note: Even if a lender shows transfer taxes itemized on one line, this is not acceptable for the CDF. Federal regulations clearly state that the Loan Estimate is different than the CDF in that the CDF must show them itemized. For more information, please visit this page and read the material under the 38(g)(1) Taxes and Other Government Fees heading.

Fees that previously appeared in the 1300 section could appear in CDF Sections B, C, or H. No specific lines are required for any fees in these sections because Sections B, C, and H do not contain any hard-coded descriptions and will alphabetize the fees as required by the CFPB.

Any fees required by the lender (ex: survey fee) should appear in Section B or C, depending on whether or not the borrower shopped for these services. The lender will tell you which section to use if you are unsure.

Any fees that are not required by the lender (ex: home warranty, commissions) would appear in Section H.