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Okay okay so this is actually interesting
On cats (and dogs too), as they get more white in their coat pattern, it kinda starts to creep up their body originating from their chest/underside. It’s not exact by any means, but whiting always starts from below :)
This happens for any other coat color as well, since patterns like merle and tabby generally affect only black (or black diluted to red). The final layer of “paint” on a cat or dog is white and masks all of the coloring below it.
(Based on a very meager knowledge of coat pattern/color genetics so please correct me if i’m wrong)