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# What is Total of Payments?

The Total of Payments within the Loan Calculations section of the Closing Disclosure and the Calculation Results section on the Calculations page is based on a new definition defined in the TILA-RESPA Integrated Disclosure rule. The Total of Payments includes all payments of principal, interest, mortgage insurance and loan costs.

Loan costs are considered origination charges, charges borrower did shop for and charges borrower did not shop for. Fees assigned to the sections of Prepaids, Other and Government Fees are excluded from the Total of Payments on the Closing Disclosure.