Cash to close improvements

7/26 beta, 8/23 prod

Purpose of Update and Benefit:
We have been working on making some calculation improvements to Blend's cash to close. We have received some feedback from customers that Blend's cash to close values in some cases do not match up to the DU and LPA outputs. This release will fix two of the main issues - double counting of lender paid credits and negative origination points.

Current Behavior:
Prior to these changes, Blend was double counting lender paid credits and negative origination points were not being properly calculated. Positive origination points are correctly being included in cash to close.

New Behavior:
These cash to close calculation updates will fix the double counting of lender paid credits and miscalculation of negative origination points. These changes will be reflected in both DU and LPA, resulting in a better match of cash to close values between DU, LPA, and Blend. 

Per DU and LPA specs, lender paid fees and negative origination points will appear in the PURCHASE_CREDIT container in DU and LPA as PurchaseCreditAmount in the FNMA.xml and FRMC.xml files. Lender paid fees will no longer be included in the EstimatedClosingCostsAmount field, since these are not costs paid by the borrower. Examples of these containers in the FNMA and FRMC files are below.

FNMA.xml

FRMC.xml

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