Escrow & Title

In Montana, 'prorated' property taxes at closing appear on the Closing Disclosure as:

AA charge to both buyer and seller equally
BA debit to the seller (for taxes owed through closing) and a credit to the buyer for the same amount✓ Correct
CA credit to both parties since Montana has no transfer tax
DAn escrow reserve only, with no impact on the Closing Disclosure

Explanation

At closing, the seller is debited for property taxes accrued through the closing date (their period of ownership), and the buyer receives an equal credit. This reimburses the buyer who will pay the tax bill covering the seller's period.

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