It gets included in the Loan Estimate column of the CCtoC table on the closing disclosure. You'll indicate that the amount changed in that table, and provide an explanation on where to look for the differences.
If it's a 0% tolerance item, there will be no impact on any cure calculation, since a reduction (or elimination) of such a fee does not create a cure.
If it's a 100% tolerance item (no tolerance limit, it won't matter, either.
If it's a 10% tolerance item, you start with your aggregate total of the 10% costs from the loan estimate(s), and deduct the full amount of the cost for the service(s) that was/were not used, to arrive at a new baseline for the aggregate costs (you are eliminating the service from the group). Calculate your 10% increase limit based on the reduced baseline for the group and compare it to the actual cost for the same services.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8