Hmmmm this makes me a little nervous. The rule and small entity compliance guide have language about the total disclosed on line A.01 of the Closing Cost Details page of the Closing Disclosure and it is the amount of points paid to the credit to reduce the interest rate. If reporting only the borrower paid it would not match the amount of points paid to reduce the interest rate.
I don't disagree with your logic. That's why I called the CFPB on this. If anyone has any other info, I'd appreciate seeing it.