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we close out the current month.... this is why you have prepaid interest.
mortgage loan interest is paid in arrears(after it has occurred)
so. if you close in January.... we close out January. No payment on Feb 1st because you have no outstanding interest. 1st payment is Mar 1st
there are rare exceptions to this rule. but this is done 99% of the time.
If two of your credit scores are the same, what will they use as the middle?
If, for example, your scores are 680, 680, and 700, then 680 will be used.
In my case my scores are 709,709, 598
Looks like 709 is the magic number for you!