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# How are Adjustments and Other Credits disclosed on the Loan Estimate?

Adjustments and Other Credits is the sum of Specific Other Credits, Generalized Other Credits and Adjustments. Other Credits are items that are paid by persons other than the loan originator, creditor, consumer, or seller (for example: gifts from family members, excess funds from the borrower that are not disbursed to the seller).

Adjustments include items paid by the consumer at closing pursuant to the contract of sale (for example: charges for personal property to be acquired by the consumer). On the calculations page the Specific Other Credits is a sum of all fees paid by Other. Generalized Other Credits is a lump sum amount of funds given by other parties for closing costs. Adjustments are considered a reduction to the Adjustments and Other Credits total.