---
title: What is a HUD-1 form (estimated or final)?
description: A federally mandated disclosure of all charged fees, formerly provided to buyers at closing. It was replaced by the more user-friendly Closing Disclosure.
---

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# What is a HUD-1 form (estimated or final)?

## A federally mandated disclosure formerly provided to the homebuyer at the end of a real estate transaction.

A HUD-1 from was a federally mandated disclosure formerly provided to the homebuyer at the close of escrow (i.e., the end of a real estate transaction). "HUD" stands for the U.S. Department of Housing and Urban Development.

**In an attempt to be more user-friendly, the HUD-1 form was replaced by the [Closing Disclosure](https://www.jvmlending.com/glossary/#closingdisclosureorcd) (CD) and is no longer used to reflect the final fees at closing.** Along with the similarly outdated Good Faith Estimate (replaced by the [Loan Estimate](https://www.jvmlending.com/glossary/#loanestimatesometimesmistakenlyreferredtoasthe)) provided to the buyer at the start of escrow (i.e., the beginning of a real estate transaction), **these forms were originally intended to provide the buyer with a clear representation of all charged fees and any fee changes from start to finish.**

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