If you are not handing the borrower a check at closing, your cash to close should not indicate they are receiving any cash. You need to find a new outside reviewer.
Alternative Version
37(h)(2)(iii) Payoffs and payments.
1. Examples. Examples of the amounts incorporated in the total amount disclosed under § 1026.37(h)(2)(iii) include, but are not limited to: construction costs associated with the transaction that the consumer will be obligated to pay in any transaction in which the creditor is otherwise permitted to use the alternative calculating cash to close table;
Standard Version
Paragraph 38(j)(1)(v).
2. Other consumer charges. The amounts disclosed under § 1026.38(j)(1)(v) which are for charges owed by the consumer at the real estate closing not otherwise disclosed under § 1026.38(f), (g), and (j) will not have a corresponding credit in the summary of the seller's transaction under § 1026.38(k)(1)(iv). For example, construction costs in connection with the transaction that the consumer will be obligated to pay,
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