Truth in lending statement-determination of prepaid finance charge?

As i'm reviewing all the loan application i have, i came accross this Truth in leding disclosure statement, showing the calculation of the loan minus some finance chage equal to amount finance, which i dont think i understand why and what's the point of doing so? how is this Truth in lending disclose statement suppose to help me? and how to determine which of those closing cost under the good faith of estimate is consider finance chanrge under truth of lending statement.