In most instances, we will be able to provide you with a final settlement figure 24 to 48 hours prior to your settlement. Unfortunately, our ability to provide you with a final settlement figure is dependent upon receiving information from several other outside sources, such as homeowners’ associations, tax assessment offices, cities and towns (for properties with municipal water or utility service), oil companies (for properties with oil heat and/or hot water), realtors and mortgage lenders, just to name a few. Settlement figures are subject to change up to the moment of settlement. If you receive a final figure, you should always bring your personal checkbook to settlement, just to cover any incidental changes that arise at, or prior to, settlement. If your settlement figure decreases and you have already obtained or written your check, we will provide you with a refund of any excess amounts at settlement. If you are not able to obtain a final settlement figure prior to settlement, you should use the Good Faith Estimate of Closing Costs obtained from your mortgage lender as a guide and be prepared to provide a personal check for any shortfall, or receive a refund for any excess funds, at settlement.