A. Settlement Statement
B.
Type of Loan 
 U.S. Department of Housing 
and Urban Development 
OMB No. 2502-0265
 1. FHA 
 2. FmHA  
 3. Conv. Unins.
 4. VA   
 5. Conv. Ins.
6. File Number
   KEYSTONE
7. Loan Number 8. Mortgage Insurance Case Number
C. Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown.
Items marked "(p.o.c)" were paid outside the closing; they are shown here for information purposes and are not included in the totals.
WARNING: It is a crime to knowingly make false statements to the United States on this or any other similar form. Penalties upon
conviction can include a fine and imprisonment. For details see: Title 18 U.S. Code Section 1001 and Section 1010.
D. NAME OF BORROWER:          John T. Readybuy and Mary A. Readybuy
ADDRESS: 
E. NAME OF SELLER.                 Thomas T. Moneysell and Betty E. Moneysell
ADDRESS:
F. NAME OF LENDER:                 Cash Flow Mortgage Co.
ADDRESS:
G. PROPERTY ADDRESS:        123 ABC Street, Frederick, Maryland 21702
                                                    Lot 1, "NEW HOME SUBDIVISION"
                                                  
Principal Residence          Other Real Estate
H. SETTLEMENT AGENT:            KEYSTONE TITLE SETTLEMENT SERVICES, INC.
PLACE OF SETTLEMENT:          
60 A Thomas Johnson Drive, Frederick, MD 21702
I. SETTLEMENT DATE:                12/31/2006
J. SUMMARY OF BORROWER'S TRANSACTION: K. SUMMARY OF SELLER'S TRANSACTION:
100. GROSS AMOUNT DUE FROM BORROWER 400. GROSS AMOUNT DUE TO SELLER:
101 Contract sales price 100,000.00 401 Contract sales rice  100,000.00
102 Personal Property   402. Personal Property   
103. Settlement charges to borrower (Line 1400) 6.004.24 403  
104   404  
105   405.  
Adjustments for items paid by seller in advance Adjustments for items paid by seller in advance
106 City/Town taxes   406. City/Town taxes  
107. County taxes 12/31/2005 to 06/30/2006 941.90 407 County taxes 12/31/2005 to 06/30/2006 941.90
108 H0A Dues/Condo Dues 12/31/2005 to 06/30/2006 124.65 408. HOA Dues/Condo Dues 12/31/2005 to 06/30/2006 124.65
109   409.  
110.   410  
111   411.  
112.   412.  
120. GROSS AMOUNT DUE FROM BORROWER 107, 070.79 420. GROSS AMOUNT DUE TO SELLER: 101, 066.55
200. AMOUNTS PAID BY OR ON BEHALF OF BORROWER 500. REDUCTIONS IN AMOUNT DUE TO SELLER 
201. Deposit or earnest money 2,000.00 501 Excess Deposit see Instructions  
202 Principal amount of new loan(s) 99,500.00 502. Settlement charges to seller (Line 1400) 7,208.00
203 Existing loan(s) taken subject to   503. Existing loans taken subject to  
204.   504. Payoff of First Mortgage Loan 98,052.20
205.   505. Payoff of Second Mortgage Loan  
206   506. Final Water Bill 98.25
207.   507. SECURE RELEASE 100.00
208   508.  
209   509.  
Adjustments for items unpaid by seller   Adjustments for items unpaid by seller
210 City/Town taxes   510. City/town taxes  
211. County taxes   511 County taxes  
212 HOA Dues/Condo Dues   512. HOA Dues/Condo Dues  
213.   513  
214.   514  
215   515.  
216   516  
217.   517  
218   518  
219   519  
220. TOTAL PAID BY/FOR BORROWER 101, 500.00 520. TOTAL REDUCTION AMOUNT DUE SELLER  105, 458.45
300. CASH AT SETTLEMENT FROM OR TO BORROWER 600. CASH AT SETTLEMENT TO OR FROM SELLER
301. Gross amount due from borrower (line 120)  107,070.79 601. Gross amount due to seller (line 420) 101,066.55
302 Less amounts paid by/for borrower (line 220)  101,500.00

602 Less reduction amount due seller (line 520)

105,458.45
303. CASH FROM BORROWER 5, 570. 79 603. CASH FROM SELLER 4,391.90

SUBSTITUTE FORM 1099 SELLER STATEMENT: The information contained herein is important tax information and is being furnished to the Internal Revenue Service. If you are required to file a return, a negligence penalty or other sanction will be imposed on you if this item is required to be reported and the IRS determines that it has not been reported. The Contract Sales Price described on line 401 above constitutes the Gross Proceeds of this transaction.

SELLER INSTRUCTIONS: If this real estate was your principal residence, file Form 2199, Sale or Exchange of Principal Residence, for any gain, with your income tax return; for other transactions, complete the applicable parts of Form 4797, Form 6252 and/or Schedule D (Form 1040).

You are required by law to provide KEYSTONE TITLE SETTLEMENT SERVICES, INC. with your correct taxpayer identification number. If you do not provide your correct taxpayer identification number, you may be subject to civil or criminal penalties imposed by law, and Under penalties of perjury. I certify that the number shown on this statement is my correct taxpayer identification number.

TIN:_________________ / ___________________ 
      SELLER 1                  SELLER 2  

SELLER(S) SIGNATURE(S):  _______________________ / ________________________
                                            SELLER 1                            SELLER 2

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