The Down Payment/Funds from Borrower line serves two distinct purposes. Down Payment is related to a purchase transaction while Funds from Borrower is used for all other transactions.
For purchase transactions, Down Payment simply represents the difference between the purchase price and the principal amount of the loan governed by this Closing Disclosure.
When there is no seller involved, Funds from Borrower represents the amount, if any, the consumer must bring to closing to complete this loan transaction. The software will calculate this sum for you.