We are refinancing to pay off a construction loan. On our LE we disclosed $1,601.00 in Section F for Homeowners insurance. The customer paid $400.02 prior to closing. Do we need to list $400.02 on the CD in Section F as a prepaid and show the $1,200.98 as part of our Payoffs & Payments? Or do we show the full amount of $1,601.00 in Section F?