Shannon,
Typically a pass through charge like bank wires, recording fees, etc. are ADDED to the HUD-1 Settlement Statement. Since the fee is going to the title agency as part of their fee as reflected on the HUD-1, when they cash or transfer that fee payment out of the escrow into a general ops account, the funds are then paid to the bank.
No matter what, it is money in money out. Most trust accounts have all fees taken out of the ops account so that the trust accounts always balance. The same way that if you are in a state that allows interest bearing trusts, they sweep the interest into the ops account so that the trust is always "money in-money out" on closing funds.
Now, pay me $1.00 for Trust Accounting 101! ha!
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