Conventional Loan Closing Costs Texas: A Decision Guide for Borrowers | Conventional Loans Texas

Conventional loans Texas buyers consider involve more than a down payment. Closing costs can include lender charges, title and settlement services, recording fees, and prepaid items such as property taxes and homeowners insurance. The exact total depends on the loan, property, timing, providers, and contract. This guide explains the main cost groups, how to compare estimates, and what to ask before closing.

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What do conventional loan closing costs include?

Closing costs are charges and prepaid amounts associated with getting a mortgage and transferring ownership. They are separate from the down payment, although both affect the cash needed to buy a home. The Consumer Financial Protection Bureau describes closing costs, also called settlement costs, as upfront costs charged to obtain a loan and transfer ownership. Its Loan Estimate explainer is a useful starting point for understanding the estimate lenders provide.

A Texas buyer may see costs in several broad groups. Not every purchase includes every item, and descriptions may differ between providers. A charge may be paid before closing, paid at closing, or collected in advance to fund an escrow account. Ask what each line is for, who receives it, when it is due, and whether you may compare providers.

• Lender charges: Amounts for originating, processing, underwriting, or preparing the loan. Ask which items are lender fees and which go to another provider.
• Property and settlement services: Appraisal, title work, settlement services, survey, or other services required for the loan or transfer. Some services may allow you to compare providers; ask the lender which ones.
• Recording and government charges: Amounts associated with recording documents or other transaction requirements. The applicable charges depend on the property and local details.
• Prepaids: Amounts due in advance, such as a homeowners insurance premium or property-tax amounts, depending on timing and closing arrangements.
• Initial escrow deposits: Funds collected to start an account for future tax or insurance bills, if escrow is part of the loan arrangement.
• Other property costs: Possible HOA charges, inspections, or negotiated repairs. These are not all lender fees, and some may be handled outside the closing statement.

Some line items are costs of obtaining the mortgage; others relate to buying, transferring, or maintaining the property. Keeping the groups separate helps you compare offers fairly and build a more useful cash-to-close budget. A large total can look alarming when it combines fees with money that is being set aside for future bills. Conversely, a small early estimate may omit details that are not yet known. The right response is to identify the components and assumptions, not to judge the transaction by one number alone.

How are closing costs different from the down payment?

The down payment is the portion of the purchase price you pay toward the home rather than borrow. Closing costs are separate transaction charges and prepaid items. Both affect the money needed to complete a purchase, but they are different parts of the calculation.

For example, imagine a buyer has saved funds for a purchase. One portion may go toward the down payment, another toward lender and settlement charges, and another toward prepaids or escrow deposits. Do not assume that a figure labeled “closing costs” includes the down payment. Also, not every dollar categorized with closing expenses is a fee paid to the lender: an escrow deposit is money set aside for future bills when an escrow account applies.

Start a budget with separate lines for the planned down payment, estimated closing costs, and amounts already paid or expected before closing. The lender can explain what is included in its estimate and how it calculates the current cash-to-close figure. The conventional purchase loan information can help you frame questions about the loan itself, but it is not a personalized quote or approval.

It also helps to distinguish charges that are paid before closing from charges that remain due at closing. An appraisal or another service may be paid earlier, while other amounts are collected on the settlement statement. If a previously paid item appears in the estimate, ask whether it is shown for information, credited against the balance, or still outstanding. Recording the date and amount of every payment helps prevent accidental double counting when you update your own budget.

Which costs should Texas buyers review?

Review an estimate line by line rather than relying on one percentage or generic rule of thumb. Two purchases with similar prices can have different totals because of lender charges, service providers, insurance, property details, closing dates, escrow choices, and contract terms. A preliminary estimate is a planning document, not a promise that every charge will remain unchanged.

What should you check in lender and loan-related charges?

Look for amounts associated with application, processing, underwriting, or other loan work. Ask what each fee covers, whether it is paid to the lender or another party, and whether the amount is fixed or may change. When comparing lenders, use the same loan amount, product, down payment, rate structure, and timing. A lower charge on one line does not mean the full offer costs less.

Ask whether optional discount points or other rate-related charges are included. If points appear, request a clear explanation of how they affect the quoted rate and what tradeoff they represent. Do not compare an estimate with points to one without them as if the terms were identical. If a lender offers a credit, ask how it affects the rate and which costs it can cover. Look at the combined terms and expected time in the home, rather than assuming the lowest fee or rate is automatically best for every borrower.

Record the rate, whether it is locked, the lock expiration date if applicable, and the points or credit shown on each version. Those details explain why two estimates might have different totals even if they come from the same lender. When you ask for a revision, state which terms you want held constant and which one you are considering changing. That makes it easier to see the actual tradeoff.

What belongs to appraisal, title, settlement, and recording?

An appraisal and other services may be needed to evaluate the property or complete the transaction. Ask whether a listed amount is an estimate or confirmed charge, whether it is paid in advance, and what work it covers. When the lender identifies services you can shop for, ask for the permitted choices and any deadlines. Compare providers using the same scope of work, not only the headline price.

Title and settlement work helps complete the ownership transfer and mortgage closing. The estimate may list separate charges for different services. Read the descriptions and ask who receives each amount. Recording-related charges depend on the documents and local transaction details. Do not assume a title-related charge is always paid by the same party; contract terms and settlement arrangements matter. Your lender can explain loan-estimate entries, while your real estate professional or closing contact can explain contract and settlement questions.

When you compare service quotes, ask whether the quoted scope is equivalent. A lower quote may not include the same work, endorsements, or other items as another quote. Ask whether a fee is bundled with other services and request the itemized description. If the provider selection must happen by a particular point in the transaction, note that deadline; waiting until the last few days may limit practical choices even where a choice is available.

How do property taxes, insurance, and escrow affect the total?

Property taxes and homeowners insurance can affect both the amount due at closing and later housing costs. A closing may include prorations or advance collections based on timing and transaction documents. If an escrow account is used, an initial deposit helps fund future bills. The amount can vary with estimated bills, due dates, and the number of months collected.

Texas property-tax amounts are specific to the property and applicable taxing authorities. Ask which tax figure was used and whether it reflects the property under contract. For insurance, confirm the premium and effective date with the insurer rather than treating an early estimate as final. Ask whether the lender’s estimate assumes escrow and how any initial deposit was calculated.

Keep the concepts distinct. A prepaid amount covers a bill or period that is due in connection with closing. An escrow deposit is an opening balance intended for future bills, subject to the account arrangement. Neither is necessarily the same thing as a lender fee. Ask for the periods and assumptions behind each figure, and how the deposit is handled if the account balance later changes.

Which costs are fixed, variable, or tied to timing?

There is no single answer for every charge. Some lender fees may be stated as set amounts for a particular offer. Third-party services, insurance, taxes, and settlement items can depend on the property or provider. Prepaids and escrow deposits are especially sensitive to the closing date and billing calendar. If the date changes, the amount collected may change even when the underlying annual bill has not.

Use this table as a checklist, not a quote. An item may be absent, renamed, or combined with another charge. The final settlement details will reflect the actual transaction.

For a practical review, mark each entry with one of four labels: confirmed, estimated, paid, or needs clarification. “Confirmed” means the responsible party has provided a current figure. “Estimated” means the amount depends on an assumption or an outstanding quote. “Paid” means you have a receipt or record and want to check how it is accounted for. “Needs clarification” means you do not yet know what the charge covers or who receives it. This simple labeling system prevents an early estimate from being mistaken for a final invoice.

How should you compare Loan Estimates?

Compare like with like. Make sure the loan amount, down payment, product, rate type, points, and other assumptions match as closely as possible. If one lender estimates taxes, insurance, or settlement services differently, ask why before treating the difference as savings.

1. Check the loan terms. Compare the loan amount, product, interest rate, whether the rate is locked, and any points or credits. A lower fee total may accompany different loan terms.
2. Separate lender fees from other costs. Identify which charges go to the lender and which relate to services, taxes, insurance, or escrow.
3. Review services you may shop for. Ask which services allow a provider choice and what timing or qualification requirements apply. Compare equivalent service scopes.
4. Check prepaids and escrow. Confirm estimated tax and insurance figures, escrow setup, and the assumed closing date.
5. Compare credits and points carefully. A lender credit or discount point changes the cost and may affect the rate. Ask what you pay now and how the terms differ.
6. Ask about cash to close. Request an explanation showing down payment, closing costs, credits, deposits, and amounts already paid.
7. Keep each version. Note when it was issued, what assumptions it uses, and what changed in a revision.

A mortgage calculator can help you explore monthly payments, but it does not replace a detailed closing-cost estimate. Use it for initial planning and ask your lender to clarify the terms and transaction-specific charges.

How can you make an apples-to-apples comparison?

Put two estimates side by side and first check the assumptions at the top, before adding up charges. Confirm that the purchase price, loan amount, down payment, property type, occupancy, product, and rate structure are comparable. If one estimate assumes a different closing date or includes a different insurance figure, write that down rather than silently treating the totals as equivalent.

Next, compare the rate-related choices. A quote that includes points may have a different rate from one without points. A credit may reduce cash due at closing while the loan terms differ in another way. Ask the lender to explain the options using the same scenario. A simple comparison worksheet can include these columns: lender, issue date, loan amount, rate and lock status, points or credit, lender fees, service estimates, prepaids, escrow, other costs, and cash to close. Leave an “open question” column so an unresolved item does not disappear from view.

Finally, separate charges that represent choices from charges that reflect the property, timing, or contract. If a difference is mostly due to taxes or insurance assumptions, it may not represent a better loan offer. If a charge is an optional service, determine whether the scope and timing are the same. Ask for a revised explanation when the reason for a difference is unclear. You do not need to become an expert in every line item; you do need to know what remains uncertain and who can answer it.

Can a seller pay some buyer closing costs?

In some transactions, buyer and seller negotiate for the seller to contribute toward eligible buyer costs. Whether a contribution is allowed and how much may be applied depends on current loan rules, property and occupancy details, the contract, and lender review. Do not assume a seller can pay every expense or that a contribution is available simply because it is requested.

Discuss a proposed contribution before the contract is finalized or amended. Ask the lender which costs may be covered and whether the amount fits the applicable loan requirements. Ask your real estate professional how the request should appear in the contract. A seller credit can affect negotiations and transaction economics, so compare it with other offer terms rather than treating it as free cash.

Seller contributions are different from a gift, down-payment assistance, or a lender credit. Each has its own rules and documentation. If you expect help with funds, tell the lender early and ask what source documentation is needed. Do not move or deposit funds in a way that makes their source difficult to document.

Before counting on a proposed credit, ask three questions: Is it written into the current contract or an executed amendment? Which eligible costs can it be applied to under the loan review? What happens if the allowable amount is less than the negotiated amount? The answer can affect the cash plan, so get the lender’s explanation before treating the credit as certain. A credit generally does not mean that the buyer receives unused funds as cash; its application is subject to transaction and loan rules.

How can you plan cash to close in Texas?

Start with a written list and update it as the transaction progresses. An early estimate can change as the property is identified, insurance is quoted, the closing date is set, and settlement details are confirmed. The goal is to understand what drives the estimate and avoid surprises.

1. Set a separate down-payment target. Identify the amount you expect to contribute and where the funds are held.
2. Request an itemized estimate. Ask the lender to explain charges, prepaids, escrow, and credits. Save the date and assumptions.
3. Confirm property-specific figures. Review the tax and insurance information used. Get an insurance quote for the intended coverage.
4. Track money already paid. Record deposits or services paid before closing and ask how they appear in the cash-to-close calculation.
5. Leave room for updates. Avoid spending all available funds based on a preliminary figure.
6. Verify payment instructions. Follow the closing professional’s instructions and independently verify any unexpected change through a trusted contact method.

Use an affordability calculator to explore a broader housing budget, not only the loan payment. A calculator result is an estimate and does not determine approval or the final amount needed to close.

What should your working cash-to-close worksheet include?

A useful worksheet is simple enough to update. Create separate rows for the down payment, lender charges, settlement and title services, recording items, tax and insurance prepaids, initial escrow deposit, credits, and payments made before closing. Add columns for estimated amount, current source, status, due date, and notes. Do not put a guessed figure in the confirmed column simply because it appears in an early worksheet.

For example, a buyer may have an early lender estimate, an insurance quote that is still being reviewed, and a receipt for a service paid before closing. The estimate belongs in the working total, the insurance amount should be labeled provisional until finalized, and the paid service needs to be checked against the closing figures. This keeps the buyer from counting the receipt as money still due or overlooking it if it should be reflected in the transaction.

Update the worksheet whenever a material assumption changes: purchase terms, loan structure, insurance premium, escrow plan, closing date, or contract credit. Keep the previous version instead of overwriting it. A short note such as “new date changed prepaid estimate” makes it easier to understand why the projected cash amount moved. If the total changes but the reason is not apparent, ask the lender or settlement contact to reconcile it with the earlier version.

How can you protect funds and avoid a last-minute scramble?

Keep records of where your funds are held and follow the lender’s instructions about documenting deposits, gifts, transfers, and other sources. If you anticipate a large transfer or a gift, ask what records may be needed before moving the money. The right documentation depends on the facts and lender review; do not assume a screenshot or a verbal explanation will be sufficient.

As closing approaches, confirm the amount and payment method with the closing professional using a trusted contact method. Be cautious if instructions change unexpectedly or an email asks you to send funds to new account details. Do not rely only on a reply to the message that announced the change. Independently call a known, verified number for the closing contact and confirm the instructions before acting. This is a general funds-safety practice, not a substitute for the closing team’s specific procedure.

Keep a small buffer in your personal plan for normal revisions, but do not guess at a buffer amount as if it were a quote. Ask the lender what remains uncertain and what could cause a revision. If a cost moves, request the item, prior figure, new figure, and reason in writing. This turns a stressful late change into a specific question that can be checked.

How can the closing date affect prepaid amounts?

The closing date can affect the timing of tax and insurance amounts and how charges are prorated between parties. The treatment depends on the transaction, bills, escrow arrangement, and contract. Ask for the calculation behind the estimate instead of assuming a particular month always means a larger or smaller total.

If the closing date changes, ask which tax, insurance, and escrow figures were updated and whether amounts already paid still appear correctly. Confirm when the insurance policy should take effect and what premium was used. Tax information may be based on available property details, so ask the lender or settlement contact to verify a number that seems inconsistent. Do not choose a closing date based only on a possible change in prepaid charges; the date also needs to work with the contract, lender process, providers, and moving plans.

When comparing a revised estimate with the prior one, do not look only at the new bottom line. Ask whether the change came from a different number of prepaid days, a revised bill estimate, escrow setup, service-provider update, contract adjustment, or a correction. Some components can move in opposite directions, so the overall total alone may not reveal what happened. Save both documents and make a small change log.

How do closing costs relate to the monthly housing budget?

Closing costs concern the transaction and funds needed to complete it. The monthly budget is a longer-term question. Look beyond principal and interest to consider property taxes, homeowners insurance, mortgage insurance where applicable, association charges, utilities, maintenance, and other recurring obligations. Not all are closing costs, although some may be collected or estimated during closing.

Prepare two lists: one-time cash, including down payment, estimated closing costs, prepaids, deposits, and known expenses outside closing; and ongoing costs, including the projected mortgage payment and other regular housing expenses. Keep escrow estimates distinct from the underlying tax and insurance bills so you understand what the payment represents. A lender can explain mortgage figures, while you decide what overall budget is comfortable.

Also account for items that can arise just after moving in. Depending on the home and your plans, you may need to pay for moving, utility setup, basic household needs, or repairs that are not included in the loan estimate. These are not automatically closing costs, and they may not appear on a settlement statement. Listing them separately gives you a fuller picture of the cash you would like to retain after closing. Do not use all available savings simply because a lender’s estimate shows a particular amount due.

For a scenario check, write down the monthly housing estimate using the assumptions available now, then list what is not yet confirmed. For instance, if the insurance premium is still a placeholder, label it and update the recurring budget when the insurer gives a quote. If property taxes are estimated, ask how that figure was selected. The purpose is not to predict every future bill exactly; it is to avoid treating an incomplete estimate as a final household budget.

What should you ask before signing a purchase contract?

Raise cost questions early. Ask the lender what information is needed for a useful estimate and which assumptions remain unknown. Confirm contract and settlement questions with the appropriate real estate and closing professionals.

• What down-payment and loan terms are reflected in the estimate?
• Which charges are lender fees, third-party services, or property-related items?
• Are points or lender credits included?
• Which services may I shop for, and when must I choose?
• What tax and insurance figures were used, and are they property-specific?
• Is escrow assumed, and what is included in its initial deposit?
• Which amounts are due before closing and which are in cash to close?
• How would a different closing date change prepaids or escrow?
• Could a seller contribution apply, and what requirements or documentation matter?
• What records should I prepare for funds, gifts, or large transfers?

If your situation includes a gift, assistance, recent account transfer, or another source of funds, mention it early. Follow the lender’s instructions about documentation and use the appropriate secure channel to share sensitive records.

Which questions belong to the lender, agent, or closing contact?

Directing each question to the right person can save time. Ask the lender to explain loan terms, the Loan Estimate, rate-related charges, escrow assumptions, funds documentation, and any loan-rule limits on a credit. Ask your real estate professional about contract language, negotiated contributions, deadlines, and how the offer terms fit together. Ask the title or settlement contact about the settlement statement, provider charges, document handling, and payment procedures. A question may involve more than one person; in that case, ask who is responsible for confirming the final answer.

Keep a running list rather than relying on memory during calls. Write the question, the name or role of the person answering, the date, and any action you need to take. If a response is preliminary, mark it as such. This is especially helpful when figures change: you can refer to the explanation already given and ask what new information caused the update.

What common mistakes should you avoid?

• Focusing only on a headline total. Understand loan terms, credits, prepaids, and escrow assumptions behind it.
• Mixing the down payment with fees. Track each separately to see what cash to close includes.
• Assuming every charge is negotiable. Ask what it covers and whether a choice is available.
• Comparing estimates with different assumptions. Match loan amount, rate structure, points, property information, and timing.
• Treating escrow as lender earnings. Ask how a deposit for future bills was calculated.
• Assuming a seller credit is guaranteed. It must be negotiated and meet applicable requirements.
• Using a generic Texas cost figure as a promise. Use a property-specific estimate.
• Waiting to mention funds. Tell the lender about gifts, assistance, or unusual transfers early.

Two other mistakes are easy to miss. First, buyers sometimes assume that a number is final because it has appeared on more than one document. Check the date and status of the figure; a repeated estimate can still rely on an unconfirmed tax or insurance assumption. Second, buyers may count a seller contribution before it has been negotiated and reviewed. Keep a version of the budget without the proposed credit until the terms and permitted use are confirmed.

It is also risky to compare only one fee at a time. A cheaper service does not necessarily make an overall transaction cheaper if the quoted work differs, and a smaller lender charge does not show the effect of a different rate or credit. Ask about the whole offer using consistent assumptions. Finally, do not wait until signing to ask what the cash-to-close number includes. You should have an opportunity to understand the components and raise questions before the closing appointment.

How can Josh Moody Loans help you review the estimate?

A useful mortgage conversation starts with your purchase plan, not a generic cost figure. Share the property or price range if known, down-payment plan, timing, and questions about credits or funds. Josh Moody Loans can discuss mortgage options and help explain loan-related information in an estimate. Property, contract, loan review, and settlement details determine individual costs; no general article can guarantee approval, rates, fees, or a particular closing total.

Before your conversation, gather the current estimate, proposed purchase terms, insurance quote if available, and a list of costs already paid. The home loans guide offers a starting point for mortgage basics. Review the conventional purchase information and ask how it applies to your plans. If you do not yet have a home under contract, tell the lender which figures are still broad planning assumptions; an early discussion can still help identify the information needed for a more specific estimate later.

For a focused review, organize the conversation around three things: what you know, what is still estimated, and what decision is coming next. You might know the planned down payment and have a current Loan Estimate, while the property insurance quote or closing date is still pending. Ask which unresolved details are most likely to affect the amount due and when you should check back. Then write down any documents or choices you need to provide. This keeps the next step clear without treating a planning figure as a promise.

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How should you review the latest closing figures?

As the transaction advances, compare the newest figures with your own worksheet and the prior estimate. A newer document is useful because it reflects information available at that point, but it still deserves review. Check the issue date and confirm that it reflects the current loan terms, property, closing date, insurance information, contract credits, and payments already made. If any of those details changed, ask which entries were recalculated.

Work from the top of the transaction summary to the detail rather than jumping straight to the final cash number. Confirm the purchase amount and loan amount, then look at the down payment, costs, credits, deposits, and funds already paid. Compare line descriptions and not only totals; a line may have moved categories or been combined with another item. If an amount looks different, identify the prior and current figures and ask the responsible person to explain the reason and supporting assumption.

Use a small reconciliation list. For every material difference, record the item, the amount previously shown, the amount now shown, the explanation, and whether you need to take action. For example, a tax-related amount could be different because the closing date changed, because the estimate was updated, or because a previously assumed amount was corrected. Those are different explanations, so ask which one applies rather than guessing. If a credit was negotiated, check that the current version reflects the agreed terms and ask whether any limit affects how it can be used.

Make sure amounts paid before closing are treated clearly. Keep receipts and payment confirmations, and ask whether a paid service is credited, displayed as already paid, or outside the current amount due. If the same charge appears in two places, do not assume it is an error or ignore it; ask the lender or settlement contact to explain how the final calculation accounts for it. Similarly, if a planned payment or deposit is missing, ask whether it is due before closing, at closing, or directly to a provider.

Finally, make sure the amount and method for bringing funds are confirmed through the closing professional’s verified process. Avoid relying on an old estimate if you receive an updated one, but do not act on unexpected changes to payment instructions without independently confirming them. Your goal is to understand the current figure, know the source of each important component, and have enough time to ask questions before signing.

What does a cost comparison look like in a real buying scenario?

Consider a hypothetical Texas buyer reviewing two conventional-loan estimates for the same intended purchase. The buyer sees that Estimate A has a smaller lender-fee subtotal, while Estimate B shows a lower cash-to-close figure. Neither fact alone identifies the better fit. The buyer first checks whether the loan amounts, down payment, product, rate, points, and credit assumptions match. If one estimate includes a rate-related charge and the other includes a credit, the apparent difference needs to be understood as a difference in terms, not just fees.

Next, the buyer checks the non-loan assumptions. One estimate may use a preliminary insurance amount while the other uses a quote from the insurer. One may assume an earlier closing date or a different escrow setup. The buyer labels those figures as provisional or confirmed and asks the lender to update the comparison using the best available property information. They also compare title and settlement estimates by scope and ask which services can be selected. This makes a lower or higher service line easier to evaluate.

Then the buyer checks how the planned cash is assembled. The down payment is recorded separately. A service already paid is marked with its receipt. Any proposed seller contribution is left out of the dependable funds total until it is included in the contract and reviewed for permitted use. The buyer adds the current prepaids and escrow deposit, then asks how the cash-to-close number reflects credits and prior payments. They also maintain a list of costs outside the closing statement, such as moving expenses, to avoid mistaking loan cash-to-close for the entire cost of moving into a home.

This example does not establish which estimate is preferable, and it does not predict an individual buyer’s costs. It shows a process: align the terms, verify assumptions, distinguish confirmed figures from estimates, and reconcile the funds due. If the two offers still differ after those checks, the buyer can ask the loan officer to explain the remaining tradeoffs in plain language and decide which terms suit the purchase plan.

Frequently asked questions about conventional loan closing costs in Texas

Are closing costs included in my down payment?

No. A down payment is the portion of the purchase price you contribute rather than finance. Closing costs are separate charges and prepaid items. Both can be part of the cash needed to close, so ask for a breakdown showing each category and any funds already paid.

Can I know my exact costs before choosing a home?

You can get an early estimate, but exact costs depend on the property, loan terms, providers, closing date, taxes, insurance, and contract. Ask for updated figures as details become known and request an explanation of material changes.

Can I shop for closing-cost services?

Some services may allow you to compare or select a provider, while others have requirements or restrictions. Ask which services you can shop for, what scope is required, and when a selection must be made.

Does a seller have to pay my closing costs?

No. A seller contribution is a negotiated contract term, not an automatic benefit. Whether it is permitted and how it can be applied depends on the transaction and loan requirements. Review the proposal with the lender and real estate professional before relying on it.

Why can the amount due change near closing?

Estimates can be updated when loan, property, insurance, tax, service-provider, or timing information changes. Prepaids and escrow deposits can also vary with the closing date. Ask for an itemized explanation and confirm that payments or credits already made are accounted for.

Is an escrow deposit the same as a fee?

No. When an escrow account applies, the initial deposit is money collected to help pay future tax or insurance bills. Ask how the amount was calculated, what bills it is intended to cover, and how it appears in the cash-to-close figure.

Should I choose a closing date to lower my costs?

Do not choose a date based only on an assumed change in prepaids. Ask how the date affects the actual tax, insurance, and escrow calculations, and consider the contract schedule, lender process, service providers, and your moving plans as well.

For a clearer plan, compare itemized estimates using the same assumptions, keep the down payment separate from other charges, and ask about anything you cannot identify. Josh Moody Loans operates under Highlands Residential Mortgage, Ltd. (NMLS #134871); Josh Moody is NMLS #139695. Equal Housing Lender.