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# What is Total Existing Debt Being Satisfied and Payments to 3rd Parties Not Disclosed in Total Closing Costs?

Total Existing Debt Being Satisfied and Payments to 3rd Parties Not Disclosed in Total Closing Costs fields are visible at the bottom of the Calculations page when a seller is involved, or when the “Standard” (Seller involved) version of the Loan Estimate is used for transactions without a seller. Amounts entered in Total Existing Debt Being Satisfied and Payments to 3rd Parties Not Disclosed in Total Closing Costs determine some items in the Calculating Cash to Close. Total Existing Debt Being Satisfied and Payments to 3rd Parties Not Disclosed in Total Closing Costs mirror the terminology used in 12 C.F.R. §1026.37(h)(1) that describes the rules for completing the Calculating Cash to Close on this version of the Loan Estimate.

Total Existing Debt Being Satisfied

The amount provided in the Total Existing Debt Being Satisfied determines the Down Payment/Funds from Borrower and Funds for Borrower as applicable. For traditional purchase transactions in the application phase, the Sales Price should be entered in the Total Existing Debt Being Satisfied on the Calculation page.

Payments to 3rd Parties Not Disclosed in Total Closing Costs

You need to separately complete the Payments to 3rd Parties Not Disclosed in Total Closing Costs, which also represents the total amount of third party charges that are not disclosed as costs on the Loan Estimate and is used to determine Closing Costs Financed (Paid from your Loan Amount). For 'traditional' purchase transactions, in the application phase, the Sales Price should be entered in the Payments to 3rd Parties Not Disclosed in Total Closing Costs on the Calculation page.
Note: With the February 2017 Release, Total Existing Debt Being Satisfied and Payments to 3rd Parties Not Disclosed in Total Closing Costs can be combined into Disbursements Not Disclosed in Total Closing Costs.

If combined, the value entered in Disbursements Not Disclosed in Total Closing Costs is used for both Total Existing Debt Being Satisfied and Payments to 3rd Parties Not Disclosed in Total Closing Costs.