I came across your blog while doing some research. I was thinking that a good topic for an upcoming entry would be regarding signature requirements for the HUD-1 settlement statement. In my case, my copy of the HUD-1 has the signature of the Settlement Agent (I'm assuming that was someone at the title company I closed at), but not the signature of the sellers. A call to someone at my title insurance company said that they don't require signatures on HUD-1s they process.
I mention this because the IRS is wanting signed copies of this form for filers claiming the homebuyers' tax credit. There are comments on other blogs from people who say their tax credit request was delayed or rejected because the HUD-1 they submitted didn't have signatures on it. I know you're not a tax expert, but I'd be interested to hear your take on the matter. For instance, what other documents could be used basically as proof of purchase on a real estate transaction?
Keith: Thanks for suggesting this timely topic. The title agent is correct that signatures are not required on the HUD-1 Settlement Statement but most title agents do have the HUD-1 signed just because it creates a fully documented record for all parties and most mortgage lenders want a signed copy.
Moving forward I would suggest that homebuyers participating in the tax program make a call ahead of time and make certain the title agent will provide a fully executed HUD-1 so they don't find themselves in your position.
For your concerns, I would try to get a fully executed HUD-1. From what I have heard that's what the government is looking for and I don't know that they will accept other forms of documentation. I would contact the seller directly or your mortgage lender to see if they will provide a seller signed copy.