Which of the following would be shown as a credit on the buyer's closing statement?

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Credits on the buyer’s closing statement are items that reduce the cash the buyer must bring to closing. The buyer’s deposit toward the purchase price has already been paid and will be applied to the price, so it’s shown as a credit. The buyer’s new loan provides funds to cover part of the purchase price, effectively financing the deal and reducing the cash needed at closing, so that’s another credit. The balance of the buyer’s remaining funds to be placed into escrow also reduces the immediate cash due at closing because those funds are being placed into an escrow account to cover future obligations, which is shown as a credit. Since all three reduce the net cash the buyer must bring to closing, they all appear as credits.