Answer:
You will adjust the closing costs on page 2 and send a revised CD and either send them a check or document a principal reduction on the loan.
See: 1026.19(f)(2)(iii) Changes due to events occurring after consummation.
and, for a principal reduction, if applicable, see: Section 1026.38—Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure) - Comment 4