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# What is Total Payoffs and Payments used for?

In transactions without sellers, the Estimated Total Payoffs and Payments is disclosed in the Calculating Cash to Close table on the Loan Estimate. Because the Estimated Total Payoffs and Payments could represent a sum of multiple items, the amount entered in the application phase does not default to any page when the transaction is switched to the closing phase. Any items that make up these totals should be entered on the Disbursements page with the Payoff and Payment check box selected.
Note:

With the February 2017 Release, users have the option to combine the Total Existing Debt Being Satisfied and Payments to 3rd Parties Not Disclosed in Total Closing Costs fields into a single field labeled Disbursements Not Disclosed in Total Closing Costs.

This feature will have no effect on transactions without sellers and Total Payoffs and Payments will still display on the Calculations page.