So, we've done the deed. We are now homeowners again. Closing took about an hour and was fairly straightforward. We did have one surprise, however. Shortly after we move in, we are expected to pay around $4,500 in school tax to cover the period between now and the summer. We were not told about this, so we will have to wait a few months before we'll be able to afford a new bed, washing machine and dryer.
Stopping by the house afterward, we were delighted to see everything all ship shape. We found a surprise gift from our sales and project managers, but I'm not going to spoil the surprise for anyone else who might get it too.
In fairness to NVR Mortgage, we were told about the interim tax payment back in October when we received a Good Faith Estimate; however, it was not something that was brought to our attention in any verbal discussions we had. The moral of this story is to always read all the little bits of paper you get from your mortgage company or broker, and make sure you understand everything. Make sure you understand what is included in closing costs, what is rolled into the mortgage payments, and what costs (if any) are not covered in either of these.