How does the settlement agent determine how much cash the buyer must bring to closing? A) He/she subtracts the seller's total credits from the buyer's total debits. B) He/she totals the Buyer's expense items on page two of the HUD-1 statement. C) He/she subtracts the buyer's credits from the buyer's debits. D) He/she subtracts the buyer's credits from the seller's debits.