In general, how do the fees impact the Closing Disclosure?

When completing the Closing Disclosure, it is important to remember that data collected on the Fee Details page impacts the Closing Disclosure as follows:

• Fees that were disclosed on the Loan Estimate will be included in Total Closing Costs (J) in the Loan Estimate column of the Calculating Cash to Close table,
• Fees that were not disclosed on the Loan Estimate, but apply at closing, will be included in Closing Cost Details and (if Paid By was Borrower) in Total Closing Costs (J) in the Final column of the Calculating Cash to Close table, and
• Fees with Variance Type of 10% or 0% that apply at closing will be considered in the comparison of Loan Estimate and Closing Disclosure fees for good faith (i.e., tolerance) purposes.