How is J. Total Closing Costs (Borrower-Paid) determined when Refund exceeded tolerance amount is selected at the bottom of the Comparison of Loan Estimate and Closing Disclosure Fees section on the Calculations page for the Closing Disclosure?

The amount that prints on the Lender Credits line is subtracted from the sum of Borrower-Paid At Closing and Borrower-Paid Before Closing amounts that print on the Closing Costs Subtotals (D+I) line when determining J. Total Closing Costs (Borrower-Paid). You can see the impact of selecting Refund exceeded tolerance amount by viewing the Document Data page for the Closing Disclosure.