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# How are Adjustments and Other Credits determined on the Closing Disclosure?

This amount is determined by summing the following items that are paid at closing from the Borrower's Transaction column of the Summaries of Transactions section, as applicable:

Personal Property Amount (from Document Data page)

+ Line K.04 when non-contractual, Integrated Disclosure Section is 'Due from Borrower at Closing', Integrated Disclosure Subsection is blank and When Paid is 'At Closing' and Existing Debt Being Satisfied or Disbursements Not Disclosed in Total Closing Costs is not selected

+ Adjustments (from section K.)

+ Adjustments for Items Paid by Seller in Advance (from section K.)

- Line L.04 (Integrated Disclosure Section is ‘Paid Already by or on behalf of Borrower at Closing’, Integrated Disclosure Subsection is ‘Items Paid Already By or For Borrower Pre Seller Credit Line’ and When Paid is ‘At Closing’)

- Other Credits (from section L.)

- Adjustments (from section L.)

- Adjustments for Items Unpaid by Seller (from section L.)