A loan estimate was sent out with no down payment required, therefore only the closing costs related to the loan show on the loan estimate cash to close.

However, the loan terms changed and the borrower is now required to bring in a high down payment asides the closing costs related to the loan. The total cash to close on the final closing disclosure is very high compared to the loan estimate cash to close due to the required down payment.

was the loan required to have loan estimate re-disclosures indicating the down payment?

Unless fees increased that were subject to the tolerance tests, it would not have been a changed circumstance. You could have issued an updated courtesy disclosure.

No fees increased their tolerance test. The increase in the cash to close is due to the required down payment. If no updated courtesy disclosure was issued, is it considered not in "good faith"?