Also referred to as a closing statement or settlement sheet, this is the itemized statement that you will receive that outlines the costs of obtaining a home loan, payable by you at closing. These costs include line items such as loan fees, agent commissions, and points. The totals at the bottom of the statement will show the net payment that you will need to make at closing and the net proceeds that the seller will receive. This form is avaliable through the Department of Housing and Urban Development (HUD).