Truth in Lending: 10.8.2.2 Tender in Cash
Easiest, of course, are the rare instances when the loan proceeds are still available or the family has sufficient savings to tender with cash. In such a case, the creditor might be informed that the tender obligation is being placed in escrow pending confirmation that the creditor’s duties have been performed. If the consumers are planning to sell the house, the tender might be paid from the loan proceeds.1354
Payments into escrow (or directly to the creditor) while the case is pending will also build up cash for tender.