On that mortgage if I were locking it this morning your total funds to close if your credit score is between 640-680 is $24549 which includes a full month's payment. So if you closed it at the end of the Feb 28 the amount needed is $23,076.
If your score is 680 or better I could probably close the loan with $20367.
This numbers include the down payment requirement of $17325.
I hope that helps. You should know that I am using my own company figures and on FHA loans we pretty much are the best out there, we are clearly much less expensive. It sounds like they made a mistake on the figures, I am confused though as it sounds like the still do not have them correct. If you are getting a rebate where are all of the other costs coming from?... more