When is my first mortgage payment due?

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The first mortgage payment is made on the closing date, in addition to all of the closing costs and legal fees and the down payment. The next payment is due starting from the closing date on the next payment period (that means in one month if the mortgage is monthly, in two weeks if it’s bi-weekly, etc.).

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Your first mortgage payment can’t come due for at least 30 days after closing and it must be scheduled for the first of the month. If you close on either September 10 or September 20, your first payment would be due November 1 – the next available first day of the month after the 30 days have elapsed.

A little bit of mortgage Q&A: "When do mortgage payments start?" New homeowners often wonder when mortgage payments start, as there’s sometimes a considerable gap between closing and the due date of the first monthly payment.. For example, you may have been told by your real estate agent or mortgage broker that payments won’t start for 45 days or longer and express some optimism as a.

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A mortgage payment consists of two parts: mortgage interest and mortgage principal. Interest is always paid 30 days in arrears. The principal portion of your mortgage payment reduces your principal balance on the date it is due. For example, if your closing date is March 15, you will be charged prorated daily interest from March 15 through March 31 on your closing statement. Your first mortgage payment will.

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