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Need help dissecting my closing disclosure

Hello and thank you in-advance. Brace yourself for details:

I’m scheduled to close on a mortgage refinance this Thursday in NJ and upon comparing the closing disclosure to the loan estimate I noticed a $3,918 increase in the “Prepaids” section. Upon further inspection $600 was due to a change in the pre-paid interest, which makes sense. The remaining $3,318 shows up on a new line item (“Property Taxes” (3 mo.)), which was not on the Loan Estimate.

This is particularly confusing because in the subsequent section (“Initial Escrow Payment at Closing”) there is a “Property Tax” line item for $4,311. This was also on my loan estimate and makes sense to me.

My questions are the following: 1. Are these property tax line items duplicates? 2. If not, why would this not have been included in the loan estimate? 3. Has anyone else had similar experiences?

I sent these same questions to my lender today and am waiting to hear back.

submitted by /u/susq35
[link] [comments]

source https://www.reddit.com/r/RealEstate/comments/g9z1k8/need_help_dissecting_my_closing_disclosure/
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