Your payoff is accurate and not an over payment or over charge

Why is there extra interest in my mortgage payoff

28 September 2026

Is Your Mortgage Payoff Actually Correct? #finance #homeownership

28 September 2026

img:is([sizes=auto i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px}img.wp-smiley,img.emoji{display:inline !important;border:none !important;box-shadow:none !important;height:1em !important;width:1em !important;margin:0 .07em !important;vertical-align:-.1em !important;background:none !important;padding:0 !important}:root{--wp-block-synced-color:#7a00df;--wp-block-synced-color--rgb:122,0,223;--wp-bound-block-color:var(--wp-block-synced-color);--wp-editor-canvas-background:#ddd;--wp-admin-theme-color:#007cba;--wp-admin-theme-color--rgb:0,124,186;--wp-admin-theme-color-darker-10:#006ba1;--wp-admin-theme-color-darker-10--rgb:0,107,160.5;--wp-admin-theme-color-darker-20:#005a87;--wp-admin-theme-color-darker-20--rgb:0,90,135;--wp-admin-border-width-focus:2px}@media (min-resolution:192dpi){:root{--wp-admin-border-width-focus:1.5px}}.wp-element-button{cursor:pointer}:root .has-very-light-gray-background-color{background-color:#eee}:root .has-very-dark-gray-background-color{background-color:#313131}:root .has-very-light-gray-color{color:#eee}:root .has-very-dark-gray-color{color:#313131}:root .has-vivid-green-cyan-to-vivid-cyan-blue-gradient-background{background:linear-gradient(135deg,#00d084,#0693e3)}:root .has-purple-crush-gradient-background{background:linear-gradient(135deg,#34e2e4,#4721fb 50%,#ab1dfe)}:root .has-hazy-dawn-gradient-background{background:linear-gradient(135deg,#faaca8,#dad0ec)}:root .has-subdued-olive-gradient-background{background:linear-gradient(135deg,#fafae1,#67a671)}:root .has-atomic-cream-gradient-background{background:linear-gradient(135deg,#fdd79a,#004a59)}:root .has-nightshade-gradient-background{background:linear-gradient(135deg,#330968,#31cdcf)}:root .has-midnight-gradient-background{background:linear-gradient(135deg,#020381,#2874fc)}:root{--wp--preset--font-size--normal:16px;--wp--preset--font-size--huge:42px}.has-regular-font-size{font-size:1em}.has-larger-font-size{font-size:2.625em}.has-normal-font-size{font-size:var(--wp--preset--font-size--normal)}.has-huge-font-size{font-size:var(--wp--preset--font-size--huge)}.has-text-align-center{text-align:center}.has-text-align-left{text-align:left}.has-text-align-right{text-align:right}.has-fit-text{white-space:nowrap !important}#end-resizable-editor-section{display:none}.aligncenter{clear:both}.items-justified-left{justify-content:flex-start}.items-justified-center{justify-content:center}.items-justified-right{justify-content:flex-end}.items-justified-space-between{justify-content:space-between}.screen-reader-text{border:0;clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px;word-wrap:normal !important}.screen-reader-text:focus{background-color:#ddd;clip-path:none;color:#444;display:block;font-size:1em;height:auto;left:5px;line-height:normal;padding:15px 23px 14px;text-decoration:none;top:5px;width:auto;z-index:100000}html :where(.has-border-color){border-style:solid}html :where([style*=border-top-color]){border-top-style:solid}html :where([style*=border-right-color]){border-right-style:solid}html :where([style*=border-bottom-color]){border-bottom-style:solid}html :where([style*=border-left-color]){border-left-style:solid}html :where([style*=border-width]){border-style:solid}html :where([style*=border-top-width]){border-top-style:solid}html :where([style*=border-right-width]){border-right-style:solid}html :where([style*=border-bottom-width]){border-bottom-style:solid}html :where([style*=border-left-width]){border-left-style:solid}html :where(img[class*=wp-image-]){height:auto;max-width:100%}:where(figure){margin:0 0 1em}html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:var(--wp-admin--admin-bar--height,0px)}@media screen and (max-width:600px){html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:0px}}.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none}:root{--wp--preset--aspect-ratio--square:1;--wp--preset--aspect-ratio--4-3:4/3;--wp--preset--aspect-ratio--3-4:3/4;--wp--preset--aspect-ratio--3-2:3/2;--wp--preset--aspect-ratio--2-3:2/3;--wp--preset--aspect-ratio--16-9:16/9;--wp--preset--aspect-ratio--9-16:9/16;--wp--preset--color--black:#000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#fff;--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,#0693e3 0%,#9b51e0 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,#7adcb4 0%,#00d082 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange:linear-gradient(135deg,#fcb900 0%,#ff6900 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red:linear-gradient(135deg,#ff6900 0%,#cf2e2e 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,#eee 0%,#a9b8c3 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,#4aeadc 0%,#9778d1 20%,#cf2aba 40%,#ee2c82 60%,#fb6962 80%,#fef84c 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,#ffceec 0%,#9896f0 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,#fecda5 0%,#fe2d2d 50%,#6b003e 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,#ffcb70 0%,#c751c0 50%,#4158d0 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,#fff5cb 0%,#b6e3d4 50%,#33a7b5 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,#caf880 0%,#71ce7e 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,#020381 0%,#2874fc 100%);--wp--preset--font-size--small:13px;--wp--preset--font-size--medium:20px;--wp--preset--font-size--large:36px;--wp--preset--font-size--x-large:42px;--wp--preset--spacing--20:.44rem;--wp--preset--spacing--30:.67rem;--wp--preset--spacing--40:1rem;--wp--preset--spacing--50:1.5rem;--wp--preset--spacing--60:2.25rem;--wp--preset--spacing--70:3.38rem;--wp--preset--spacing--80:5.06rem;--wp--preset--shadow--natural:6px 6px 9px rgba(0,0,0,.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0,0,0,.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(0,0,0,.2);--wp--preset--shadow--outlined:6px 6px 0px -3px #fff,6px 6px #000;--wp--preset--shadow--crisp:6px 6px 0px #000}:where(.is-layout-flex){gap:.5em}:where(.is-layout-grid){gap:.5em}body .is-layout-flex{display:flex}.is-layout-flex{flex-wrap:wrap;align-items:center}.is-layout-flex>:is(*, div){margin:0}body .is-layout-grid{display:grid}.is-layout-grid>:is(*, div){margin:0}:where(.wp-block-columns.is-layout-flex){gap:2em}:where(.wp-block-columns.is-layout-grid){gap:2em}:where(.wp-block-post-template.is-layout-flex){gap:1.25em}:where(.wp-block-post-template.is-layout-grid){gap:1.25em}.has-black-color{color:var(--wp--preset--color--black) !important}.has-cyan-bluish-gray-color{color:var(--wp--preset--color--cyan-bluish-gray) !important}.has-white-color{color:var(--wp--preset--color--white) !important}.has-pale-pink-color{color:var(--wp--preset--color--pale-pink) !important}.has-vivid-red-color{color:var(--wp--preset--color--vivid-red) !important}.has-luminous-vivid-orange-color{color:var(--wp--preset--color--luminous-vivid-orange) !important}.has-luminous-vivid-amber-color{color:var(--wp--preset--color--luminous-vivid-amber) !important}.has-light-green-cyan-color{color:var(--wp--preset--color--light-green-cyan) !important}.has-vivid-green-cyan-color{color:var(--wp--preset--color--vivid-green-cyan) !important}.has-pale-cyan-blue-color{color:var(--wp--preset--color--pale-cyan-blue) !important}.has-vivid-cyan-blue-color{color:var(--wp--preset--color--vivid-cyan-blue) !important}.has-vivid-purple-color{color:var(--wp--preset--color--vivid-purple) !important}.has-black-background-color{background-color:var(--wp--preset--color--black) !important}.has-cyan-bluish-gray-background-color{background-color:var(--wp--preset--color--cyan-bluish-gray) !important}.has-white-background-color{background-color:var(--wp--preset--color--white) !important}.has-pale-pink-background-color{background-color:var(--wp--preset--color--pale-pink) !important}.has-vivid-red-background-color{background-color:var(--wp--preset--color--vivid-red) !important}.has-luminous-vivid-orange-background-color{background-color:var(--wp--preset--color--luminous-vivid-orange) !important}.has-luminous-vivid-amber-background-color{background-color:var(--wp--preset--color--luminous-vivid-amber) !important}.has-light-green-cyan-background-color{background-color:var(--wp--preset--color--light-green-cyan) !important}.has-vivid-green-cyan-background-color{background-color:var(--wp--preset--color--vivid-green-cyan) !important}.has-pale-cyan-blue-background-color{background-color:var(--wp--preset--color--pale-cyan-blue) !important}.has-vivid-cyan-blue-background-color{background-color:var(--wp--preset--color--vivid-cyan-blue) !important}.has-vivid-purple-background-color{background-color:var(--wp--preset--color--vivid-purple) !important}.has-black-border-color{border-color:var(--wp--preset--color--black) !important}.has-cyan-bluish-gray-border-color{border-color:var(--wp--preset--color--cyan-bluish-gray) !important}.has-white-border-color{border-color:var(--wp--preset--color--white) !important}.has-pale-pink-border-color{border-color:var(--wp--preset--color--pale-pink) !important}.has-vivid-red-border-color{border-color:var(--wp--preset--color--vivid-red) !important}.has-luminous-vivid-orange-border-color{border-color:var(--wp--preset--color--luminous-vivid-orange) !important}.has-luminous-vivid-amber-border-color{border-color:var(--wp--preset--color--luminous-vivid-amber) !important}.has-light-green-cyan-border-color{border-color:var(--wp--preset--color--light-green-cyan) !important}.has-vivid-green-cyan-border-color{border-color:var(--wp--preset--color--vivid-green-cyan) !important}.has-pale-cyan-blue-border-color{border-color:var(--wp--preset--color--pale-cyan-blue) !important}.has-vivid-cyan-blue-border-color{border-color:var(--wp--preset--color--vivid-cyan-blue) !important}.has-vivid-purple-border-color{border-color:var(--wp--preset--color--vivid-purple) !important}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background:var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background:var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background:var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important}.has-cool-to-warm-spectrum-gradient-background{background:var(--wp--preset--gradient--cool-to-warm-spectrum) !important}.has-blush-light-purple-gradient-background{background:var(--wp--preset--gradient--blush-light-purple) !important}.has-blush-bordeaux-gradient-background{background:var(--wp--preset--gradient--blush-bordeaux) !important}.has-luminous-dusk-gradient-background{background:var(--wp--preset--gradient--luminous-dusk) !important}.has-pale-ocean-gradient-background{background:var(--wp--preset--gradient--pale-ocean) !important}.has-electric-grass-gradient-background{background:var(--wp--preset--gradient--electric-grass) !important}.has-midnight-gradient-background{background:var(--wp--preset--gradient--midnight) !important}.has-small-font-size{font-size:var(--wp--preset--font-size--small) !important}.has-medium-font-size{font-size:var(--wp--preset--font-size--medium) !important}.has-large-font-size{font-size:var(--wp--preset--font-size--large) !important}.has-x-large-font-size{font-size:var(--wp--preset--font-size--x-large) !important}#vfbp-form-1{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:14px}#vfbp-form-1.vfbp-form label{font-weight:bold;margin-bottom:5px;color:#444}#vfbp-form-1.vfbp-form .vfb-radio label,#vfbp-form-1.vfbp-form .vfb-checkbox label,#vfbp-form-1.vfbp-form label.vfb-address-label{font-weight:normal}#vfbp-form-1.vfbp-form .vfb-radio label{margin:0}#vfbp-form-1.vfbp-form .vfb-form-control{color:#555;background-color:#fff;border:1px solid #ccc;border-radius:0px}#vfbp-form-1.vfbp-form .vfb-form-control:focus{border-color:#66afe9}#vfbp-form-1.vfbp-form .vfb-form-control::-moz-placeholder{color:#777}#vfbp-form-1.vfbp-form .vfb-form-control::-webkit-input-placeholder{color:#777}#vfbp-form-1.vfbp-form .vfb-form-control:-ms-input-placeholder{color:#777}#vfbp-form-1.vfbp-form .vfb-help-block{color:#777;margin:5px 0px;padding:0px 0px}#vfbp-form-1.vfbp-form .vfb-has-error .vfb-help-block,#vfbp-form-1.vfbp-form .vfb-has-error .vfb-control-label,#vfbp-form-1.vfbp-form .vfb-help-block .parsley-required{color:#a94442}#vfbp-form-1.vfbp-form .vfb-has-error .vfb-form-control{border-color:#a94442}#vfbp-form-1.vfbp-form .vfb-has-success .vfb-help-block,#vfbp-form-1.vfbp-form .vfb-has-success .vfb-control-label{color:#3c763d}#vfbp-form-1.vfbp-form .vfb-has-success .vfb-form-control{border-color:#3c763d}#vfbp-form-1.vfbp-form .btn-primary{color:#fff;background-color:#1d4f8f;font-size:14px;font-weight:normal;border:1px solid #1d4f8f;border-radius:0px}#vfbp-form-1.vfbp-form .btn-primary:hover{color:#fff;background-color:#71c3e6;border-color:#71c3e6}#vfbp-form-1.vfbp-form .vfb-well{background-color:#f5f5f5;border:1px solid #e3e3e3;border-radius:4px;margin:20px 0px;padding:19px 19px}.vfb-form-group{margin-top:10px}.vfbp-form .vfb-form-control{height:45px}#vfbp-form-1.vfbp-form .btn-primary{margin-top:15px}.recentcomments a{display:inline !important;padding:0 !important;margin:0 !important}div.page-title-inner{height:fit-content;padding:10px}div.page-title-inner .page-title-inner-wrap{top:0;-webkit-transform:translateY(0%);transform:translateY(0%)}.entry-thumb{margin-bottom:20px}.dfd-read-share .read-more-wrap{text-decoration:underline}.dfd-read-share .read-more-wrap:hover{text-decoration:none}.more-button{font-size:1em}@media only screen and (max-width: 600px){h1{font-size:32px;line-height:1.1em}h2{font-size:28px;line-height:1.1em}.dfd-blog-loop .dfd-blog-wrap .dfd-blog-left-image .post .entry-media,.dfd-blog-loop .dfd-blog-wrap .dfd-blog-right-image .post .entry-media,.dfd-blog-loop .dfd-blog-wrap .dfd-blog-left-image .post .dfd-content-wrap,.dfd-blog-loop .dfd-blog-wrap .dfd-blog-right-image .post .dfd-content-wrap{width:100%}.dfd-blog-loop>.row.full_width{padding:0 10px}#layout.single-post .dfd-single-style-advanced .block-under-single-post{padding-left:20px;padding-right:20px}}.button.wc-backward:not(.ubtn),.button:not(.ubtn),#wp-submit:not(.ubtn),#commentform #submit:not(.ubtn),button:not([class^="tribe-events-calendar-"]){background-color:#1d4f8f;border:1px solid #1d4f8f;font-weight:bold}.dfd-stuning-header-bg-container{background:linear-gradient(90deg,rgba(29,79,143,1) 0%,rgba(113,195,230,1) 81%) !important;background-color:#1d4f8f !important}.nav-menu .mega-menu-item .item-title,.nf-fu-fileinput-button{overflow:visible !important}#ae_launcher.ae-cta-position-preset-right-lower{left:24px !important;right:auto !important}li.applyNow2 a{color:#ed0000 !important;font-weight:800 !important;font-size:14px !important}li.applyNow a{background-color:#1d4f8f !important;color:#fff !important;font-weight:800 !important;font-size:14px !important}li.applyNow a:hover{background-color:#ed0000 !important}iframe#embedded-badge-7dde302f-1470-4d61-9838-b4191e003cf6{background-color:#fff !important}.boo-logo img{max-width:175px !important}.widget.soc-icons a i.soc_icon-instagram{background-color:#ff0169}.widget.soc-icons.dfd-soc-icons-hover-style-26 a:hover i.soc_icon-instagram{text-shadow:#cd0054 1px 1px,#cd0054 2px 2px,#cd0054 3px 3px,#cd0054 4px 4px,#cd0054 5px 5px,#cd0054 6px 6px,#cd0054 7px 7px,#cd0054 8px 8px,#cd0054 9px 9px,#cd0054 10px 10px,#cd0054 11px 11px,#cd0054 12px 12px,#cd0054 13px 13px,#cd0054 14px 14px,#cd0054 15px 15px,#cd0054 16px 16px,#cd0054 17px 17px,#cd0054 18px 18px,#cd0054 19px 19px,#cd0054 20px 20px,#cd0054 21px 21px,#cd0054 22px 22px,#cd0054 23px 23px,#cd0054 24px 24px,#cd0054 25px 25px,#cd0054 26px 26px,#cd0054 27px 27px,#cd0054 28px 28px}@media only screen and (max-width: 600px) and (min-width: 360px){#header-container #header .header-top-panel,body.dfd-custom-padding-html #header-container #header .header-wrap{padding:5px !important}a[href^="mailto:"]{font-size:12px}.header-top-panel .header-info-panel .top-info{padding-right:5px}}.cp_cff_box #fbuilder fieldset,.cp_cff_box #fbuilder fieldset legend,.cp_cff_box #fbuilder .fields:not(.cff-container-field){border-color:rgba(29,79,143,.3) !important}.cff-html-field{border:none !important}.cff-html-field strong{text-transform:uppercase !important;margin-left:-5px;font-size:16px}.fields label{color:black !important}.dfield input{color:black !important;height:17px}.dfield select{border:none}.pbPrevious,.pbNext{background-color:#1d4f8f !important;color:white !important;border-bottom-color:#6dccf2 !important;font-weight:bold}.pbSubmit{background-color:#6dccf2 !important;border-bottom-color:#1d4f8f !important;color:white !important;font-weight:bold}.r{color:#f00 !important}.section_breaks label{color:white !important;font-weight:bold}.apply-link-calc{color:#f00 !important;font-weight:800 !important;font-size:14px !important;font-style:normal;font-family:"Montserrat";text-transform:none;letter-spacing:0;height:30px;line-height:30px}.section_breaks{background:#1d4f8f;background:linear-gradient(90deg,rgba(29,79,143,1) 0%,rgba(109,204,242,1) 100%) !important;padding:10px !important}.pb0 legend{background:linear-gradient(90deg,rgba(29,79,143,1) 0%,rgba(109,204,242,1) 100%) !important;color:white !important;border:3px solid white !important;border-radius:7px !important}#showClosingCosts,#showPrePaid{cursor:pointer}@media screen and (max-width: 520px){.fields{padding:0}.dfield input{height:26px !important;min-height:50px !important;overflow:visible !important}input[type="text"],input[type="password"],input[type="date"],input[type="datetime"],input[type="email"],input[type="number"],input[type="search"],input[type="tel"],input[type="time"],input[type="url"],textarea{padding:0 !important;line-height:26px;overflow:visible !important}.cp_cff_box #fbuilder .top_aligned .fields .dfield{height:50px}}.left-col,.right-col{box-sizing:border-box}