Clarification: There are two ways to handle this situation. If, on the CD, you split the title fee into two parts, with the amount from the LE in the borrower-paid column and the excess in the Paid by Others column as a specific lender credit. you don't have a tolerance issue because the consumer is not paying more than the amount on the LE.
But if you show the full amount in the paid by consumer column, you will have a tolerance issue, and you will need to note that in the Calculating Cash to Close table, in the Borrower Paid at Closing column as part of the Lender Credits line in section J, and on page 1 as part of the lender credits amount in the Closing Costs description in the Costs at Closing table.
When I say "part of the lender credits" I mean that, if there are other lender credits included in the closing (beyond the tolerance cure amount), the tolerance cure amount will be included in the total lender credits shown in the Costs and Closing (page 1) and in Section J (page 2). In such cases, I believe the actual amount of the tolerance cure amount won't appear by itself anywhere.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8