Why Is My Cash to Close Higher Than My Down Payment?
You saved the down payment. Then the closing disclosure came in thousands higher. Here's exactly why — and what you can do about it.
Whether you’re buying your first home, building equity, or planning your next move, our client digest delivers bite-sized tips, timely advice, and clear explanations to help you make confident decisions. No jargon, just what you need to know.

You saved the down payment. Then the closing disclosure came in thousands higher. Here's exactly why — and what you can do about it.

Most buyers focus on the down payment and miss the bigger number. Here's what you actually need — and the third figure almost no one plans for.

Pre-approval tells you what a lender will give you. It doesn't tell you what you can actually afford. Here's the difference — and why it matters.

Your lender approved you for more than you want to spend. Here's why that happens — and why that number shouldn't set your budget.
Dwell Mortgage, LLC. Company NMLS # 2426506. Headquarters: 2817 Wetmore Ave, Everett, WA 98201. 800-605-1626.
Licensed in WA (CL-2426506), OR (2426506), CA (60DBO-176964), CO (CL-2426506), UT (13178963), FL (MBR6421), ID (MBL-2082426506), TX (CL-2426506), AZ (CL-2426506)
Equal Housing Opportunity.
For licensing information, go to www.nmlsconsumeraccess.org