The cash to close figure can be either or $0 if that is how it works out. It is purely a mathematical equation based on the components in the formula. You are not going to structure a transaction to force a borrower to come to closing with a penny.
37(h)(1)(viii) Estimated cash to close.
1. Result of cash to close calculation. The sum of the amounts disclosed pursuant to § 1026.37(h)(1)(i) through (vii) is disclosed under § 1026.37(h)(1)(viii) as either a positive number, a negative number, or zero.
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