Could someone Please explain this...Settlement HUD1 or?

When a lender sends closing instructions to a real estate attorney or whom ever is doing the closing the lender realizes it may not have all the information agreed upon between loan officer and borrower. By allowing a space for a credit to the borrower allows for any "extras" that may exist, to exist and therefore be above board and comply with all the banking regulations. An example of this is when the loan officer forfeits their origination fee. It may be charged somewhere else on the HUD-1, but is credited back to the borrower in this space.