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it has the interest for the month that you did not pay...you can call you bank and they will tell you, you are not getting ripped off
Like Clay said. I bet your monthly payment is close to $1200. A large chunk of that is interest and since the 11/1 payment would be the princ and int for October, you are paying it at closing in the payoff. Good news is that your first payment on your new mortgage will not be due until 1/1/10. so you have time to recover.
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