Discount points are disclosed in the “Origination Charges” area on page 2, Section A of the Closing Disclosure, and buydown deposits are also disclosed on page 2 (with seller-paid buydowns additionally reflected in the seller’s credits on page 3, Sections L and N).

Quick Scoop

If you’re scanning a Closing Disclosure and trying to spot where discount points and lender buydowns show up, you’re really looking at how the form shows “pay more now, save later” vs. “pay less now, more later.” The key is knowing which page and section breaks out loan costs versus who is paying for the buydown.

Where discount points appear

Discount points are treated as a direct loan cost tied to your interest rate.

  • On the Closing Disclosure, points are listed on page 2 in Section A – Origination Charges under “Points” or similar wording.
  • These points must be connected to a discounted interest rate (i.e., they are being paid to reduce your rate, not just a random fee).

Where lender buydowns appear

A buydown involves money set aside to temporarily or permanently reduce your interest rate, and where it shows depends on who pays.

  • For a borrower‑paid buydown , the buydown deposit should appear on page 2, typically in Section A (Origination Charges) as part of the loan costs.
  • For a seller‑paid buydown , the buydown amount is disclosed as a seller credit on page 3 in Sections L and N (Summaries of Transactions).

Why this placement matters

These locations help you check whether the costs and credits are flowing correctly between rate, fees, and who is actually paying.

  • Seeing points in Section A lets you confirm that what you’re paying upfront matches the promised lower interest rate.
  • Seeing buydowns in Section A or as seller credits on page 3 helps ensure the buydown structure (borrower‑paid vs seller‑paid) matches your purchase contract and loan terms.

If you ever spot “points” or a buydown credit in some random fee section that doesn’t match these patterns, it’s a signal to ask your lender or closing agent to walk through the form line by line.

Meta description (SEO):
Wondering “if you’re looking at a Closing Disclosure, where should discount points and lender buydowns be disclosed?” Learn exactly which page and sections show points and buydowns, plus how borrower‑paid and seller‑paid buydowns are labeled.

TL;DR:
Discount points: page 2, Section A – Origination Charges.
Borrower‑paid buydown: page 2, usually Section A.
Seller‑paid buydown: page 3, seller credits in Sections L and N.

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