How to Edit Cost Details in Disclosures

Accessing Cost Details

In the loan file, click Disclosure in the left menu.
The Disclosure section opens with Cost Details displayed at the top.
To edit:
- Click the Edit pencil at the top right to open Cost Details in full view, or
- Click the Edit pencil next to a specific section (e.g., Section A: Origination Charges) to edit only that section.

Using the Default Fees/Escrows Button

At the top of the Cost Details edit view, you’ll see the Default Fees/Escrows button with two options:

Add Default Fees/Escrows
- Opens a list of fee/escrow types recently set up by your System Admin (including preset values).
- Review the list, then click Apply Change to add them to the loan file.
Reset Default Fee/Escrow Values
- Updates fees and escrows already in the loan file to match the latest company defaults.
- Review the updates, then click Apply Change to apply them.

Using the Update Disclosed Amount Button

Click Update Disclosed Amount to auto-fill the Disclosed Amount column with the latest fee values.
This keeps disclosures accurate and supports Change of Circumstance (COC) tracking.

Tip: Do this before generating or re-issuing disclosures so the amounts are always current.

Using the Add New Fee/Escrow Button

If a fee isn’t covered by defaults:

Click Add New Fee/Escrow.
In the Edit Panel:
- Select a fee section from the Integrated Disclosure list (e.g., Section A: Origination Charges).
- Choose a fee name from the list (set up at the company level by your System Admin under Settings > Fee and Escrow Types).
- If not listed, select Other and manually enter the name.
- Click the Edit pencil to set who the fee is paid to, then click Save.
- Enter amounts based on who pays:
  - Borrower Paid at Closing: enter manually or use the calculator to set a formula (e.g., % of appraisal value or loan amount).
  - Borrower Paid Before Closing: enter the amount in the field.
  - Paid by Other: select from the dropdown and enter the amount.
- For purchase transactions, you can also record Seller Paid at Closing or Seller Paid Before Closing, marking the fee as seller-responsible.
- Marking Indicators - Check indicators as needed:
  - APR – include fee in APR calculation.
  - QM – include fee in Qualified Mortgage points and fees test.
  - Fin – marks fee as financed (for ComplyIO; exports to doc vendors, not shown on LE or CD).
  - SR – marks fee as seller responsible
  - Disclosed Amount – enter the fee if it has already been disclosed.

Saving and Finalizing

Click Save in the panel to apply changes.
This returns you to the Cost Details Edit view, where you can review all fees, update amounts, and adjust borrower-paid, seller-paid, or paid by others, as well as APR, QM, FIN, BC, SE, and Disclosed Amounts.
To delete a manually added fee, click the X on the right and then Confirm. This action cannot be undone.
Finally, click Save at the bottom to finish editing the Cost Details within the loan file.

Resources

👉see the System Admin Fee and Escrow Types setup guide

For step-by-step guidance on how System Admins can set up company-level Default Fees and Escrow Types—so presets automatically populate in every file: