I'm about to close on a property tomorrow and the latest CD doesn't have the lender credits ($3,052) that were initially a line item in the LE. The origination fee was and still is $3,052 however there is no longer lender credits that wipe that out in section J. Am I missing something or can that credit be used elsewhere that I'm just not aware of?

Another curve ball was this latest CD also had a slightly lower interest rate (5.834%) vs. what I thought I was going to get (5.99%). Nothing was communicated about getting a lower rate either prior to me receiving this latest CD and I told my lender multiple times that I don't want to pay anything extra at closing for a lower rate if my closing costs don't cover it since I need all of my cash for renovations on this property. Everyone keeps talking about rates dropping anyway in the next year or 2. 

I'm getting 3% in seller concessions (equivalent to $11,460)  and those were supposed to cover all of my closing costs. Even a few days ago apparently there was an extra $500 sitting on the table with my current rate and all the seller concessions allocated so I asked if the appraisal could be reimbursed so now I'm am confused as to why these latest numbers have me bringing ~ $1,400 more than my down payment to closing.

Any advice is appreciated as I wait for an explanation from the lender.