My closing disclosures came in yesterday! Cash to close is only $9,900 -- down from an original estimate of $14,400 -- and down from the estimate I was given just three days ago of $11,500.
That amazes me. I'm gonna have nearly $3k left in savings.... I did not expect that.
Still on track to close on Monday!!
EDIT: Right after I shared this, they took the $9900 out of my account, which means they've wired it to the title company! 
Thank you!! It happened!!!! In and out at the title company in about 45 minutes!!!
The payment is $1,358/mo -- $1000 of that is interest/principal, 200ish is escrow, and 100ish is the PMI. Oddly enough, our first payment isn't for 60 days -- due October 1st.
A few hours after our closing, our loan officer called me and when I picked up, she said, "Just calling to see if you're a homeowner yet?!" -- NFCU was *a breeze* and my LO/processor were both very helpful and sweet.
It really depends on your market. We paid all of closing, because it's a fierce market here in Nashville right now, and ended up being a total of around $13,000 out of pocket, $8,500 of which was the 3.5% downpayment.
SUCH A RELIEF TO BE FINISHED!
But I'll tell you that when it changes from the elation of "we're buying a house!" to the overwhelming stress of "we're moving....," it's not pretty. 
@Anonymous wrote:Thank you!! It happened!!!! In and out at the title company in about 45 minutes!!!
The payment is $1,358/mo -- $1000 of that is interest/principal, 200ish is escrow, and 100ish is the PMI. Oddly enough, our first payment isn't for 60 days -- due October 1st.
A few hours after our closing, our loan officer called me and when I picked up, she said, "Just calling to see if you're a homeowner yet?!" -- NFCU was *a breeze* and my LO/processor were both very helpful and sweet.
It really depends on your market. We paid all of closing, because it's a fierce market here in Nashville right now, and ended up being a total of around $13,000 out of pocket, $8,500 of which was the 3.5% downpayment.
SUCH A RELIEF TO BE FINISHED!
But I'll tell you that when it changes from the elation of "we're buying a house!" to the overwhelming stress of "we're moving....," it's not pretty.
Amazingggggggg. So proud of you guys and congrats! Enjoy your new home.
You're very kind.
Thank you so much!!!!!!