I am using APR Win to audit the APR and Finance Charge disclosures on a construciton loan. The loan is a construction/permanent loan, interest only during the construction period, only when advances are made. The final truth in lending disclosure states the amount financed and the finance charge as estimates (using "(e)" -BSI Form).

When I run APR Win, it states that I have a violation that the finance charge was understated by just over $200, the APR is okay. I'm not sure what to do next. Do I have a violation? Any guidance would be appreciated.