How is a negative value for the Owner's Title Insurance disclosed?

Generally, the formula for disclosing the title insurance on the Loan Estimate and Closing Disclosure will not yield a negative number. However, in certain states, the full cost of lender’s title insurance could be more than the cost of both owner’s and lender’s title insurance combined, and using the TRID calculation methodology, it would be correct to disclose a negative number. Comment 37(g)(4)-2in those instances. See the example below provided by the CFPB.

To add a negative value, a fee is added with an Owner's Title Insurance fee type. A negative value is entered in the Fixed Amount field. Note: The Paid By, Collect As, APR, Points and Fees - Federal, and Points and Fees-State fields in Fee Details should match the same values entered for the Lender's Title Insurance.