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Don’t compare interest alone. Two offers can produce similar monthly payments but leave different balances at the comparison date, depending on the loan term and structure. I’d put payments, fees, exit cost and remaining principal on one sheet. Also test whether the payment after the fixed...

Ask for three separate schedules: costs due before or at closing, adjustments settled with the seller, and charges arising after ownership begins. A single “closing costs” total can hide that timing distinction. I’d also ask which items are calculated from the purchase price, which use another...