Real estate settlements can be facilitated using dedicated deposit accounts so that last-minute adjustments can be avoided, and funds in the transaction can be readily transferred. A settlement manager provides estimates for funds required from at least one of a buyer and a seller based on terms of the real estate settlement and communicates hold requests. Funds are held based on the estimates provided by the settlement manager, where held funds remain in the respective deposit accounts but are otherwise unavailable. The settlement manager determines final settlement amounts, and the settlement manager initiates a transaction to transfer the final settlement amounts according to parameters of the real estate settlement. Subsequently, the computer system releases any remaining held funds in the respective deposit accounts.