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Please help me understand prepaid interest

I got my cd, closing 10/08. I was told my first payment would be 11/01. There is a prepaid interest for 10/08 - 11/01 listed on my cd. My understanding was the each mortgage payment at the beginning of the month pays off the interest accrued over the past month. If this is true, wouldn't my payment on 11/01 pay for the interest accrued in October? Why would I need to prepay interest as well? It feels like im being charged interest for October twice.

submitted by /u/Nat9523
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source https://www.reddit.com/r/RealEstate/comments/1fs4vwj/please_help_me_understand_prepaid_interest/
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