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I would not separate annual charges too rigidly from the closing calculation. Even when a charge is recurring, an adjustment or advance payment can affect the cash required at completion. Ask for each line to show the recipient, calculation basis, payment date, and whether it is estimated or...

The cash downside of the cheap quote is not just missed defects. It can also be several unpriced add-ons arriving when the buyer has little time left. Ask every bidder for the base fee, optional fees, cancellation or return-visit charges, payment timing, and what triggers specialist work. Then...