Loan Estimate form for mortgages in US have a "In 5 years" amount paid. What is the formula for calculating that based on other values in the form ?
On page 3 of the example form at http://www.consumerfinance.gov/owning-a-home/loan-estimate/ the value is 56582. However, it seems like it should be mortgage payments over 60 months + closing costs - credit. Ie (761.78+82)*60+5672=56299
Context: The loan estimate that I got with lower closing costs after credits has a higher "In 5 years" and APR compared to another one with same interest rate. Something seems wrong. This led me to try and find the right formula.