First let me preface my answer by saying that I am not an attorney and that if you feel any impropreities went on at your closing, you should definitely consult the opinion of one.
That being said, you simply need to take a careful look to see if either HUD-1 was stamped as “Amended” or “Revised”. That will tell you which HUD statement was the one actually used. So many entities require payment (unfortunately!), that it is quite common for revisions to be mae at a closing.
Very often reimbursements need to be given to a seller. For example, the seller may have paid to fill up an oil tank and there is still oil left in the tank. A buyer should reimburse the seller what the amount left in the tank. Taxes and other utilities paid by the seller prior to closing also may need to be reimbursed and often these exact numbers are not known until the closing.
The most important thing is for you to do a side by side comparison to find exactly what figure was changed. Chances are that nothing illegal or even out of the ordinary occured but hey… you should know what actually happened. A closer look should reveal what happened. It’s also quite possible that with all that goes on at a closing, it may have been mentioned and you just missed it.
If you cannot find the exact change possibly your mortgage broker or title company can show you what happened.