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# How do you cure a tolerance on the Closing Disclosure?

Per the CFPB, a 0% tolerance fee cannot increase after it is disclosed on the Loan Estimate. If a fee does, it must be 'cured' by a lender credit on the Closing Disclosure.

Also, the 10% tolerance fees cannot increase by more than 10%, in total, from the amounts disclosed on the Loan Estimate. If they do, they must also be 'cured' by a lender credit on the Closing Disclosure.

Lender credits are subject to tolerance requirements and cannot decrease after they are disclosed on the Loan Estimate. Lender credits can stay the same or increase without a tolerance/variance violation. The tolerance/variance requirements are automatically applied to lender credits in the Lender Credits that Cannot Decrease section on the Calculations page. If lender credits decrease, the amount of the decrease is included in the Total Closing Costs (J), Did this Change? column of the Calculating Cash to Close table and must also be 'cured' by including it in the Lender Credits amount that prints to page 2 of the Closing Disclosure.

To disclose the lender credit in section J. Total Closing Costs on the Closing Disclosure, select Refund exceeded tolerance amount at the bottom of the Comparison of Loan Estimate and Closing Disclosure Fees section on the Calculations page.

You can see the impact of selecting Refund exceeded tolerance amount by viewing the Document Data page for the Closing Disclosure.

The credit for all fees and lender credits that exceed the legal limit will be listed next to Refund exceeded tolerance amount on the Calculations page, and will print on the Total Closing Costs (J) line in the Calculating Cash to Close table under the 'Did this change?' column.

Figure: Closing Disclosure with Refund exceeded tolerance amount selected

Figure: Closing Disclosure without Refund exceeded tolerance amount selected