{"id":109165,"date":"2026-03-09T09:09:35","date_gmt":"2026-03-09T16:09:35","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=109165"},"modified":"2026-03-09T09:09:35","modified_gmt":"2026-03-09T16:09:35","slug":"when-is-first-mortgage-payment-due","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/when-is-first-mortgage-payment-due\/","title":{"rendered":"When is Your First Mortgage Payment Due After Closing?"},"content":{"rendered":"<h2><span style=\"font-weight: 400;\">Key takeaways<\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your first mortgage payment is usually due on the first of the month, one full month (30 days) after the closing date.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Add 30 days to your closing date and find the first day of the next month.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For example, if you close on June 15, your first payment is likely due on August 1.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As a first-time homebuyer, there are plenty of dates and payments to keep track of leading up to <\/span><a href=\"https:\/\/www.redfin.com\/blog\/steps-to-closing-on-a-house\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">closing<\/span><\/a><span style=\"font-weight: 400;\">. After becoming a homeowner, one ongoing date you\u2019ll need to plan for is your mortgage payments. But how do you find out when your first mortgage payment is due after closing?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this Redfin article, we\u2019ll outline how you can find out when your first mortgage payment is due and how much it could be. Whether you\u2019re <\/span><a href=\"https:\/\/www.redfin.com\/city\/4664\/OH\/Columbus\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">buying a home in Columbus, OH<\/span><\/a><span style=\"font-weight: 400;\">, or a <\/span><a href=\"https:\/\/www.redfin.com\/city\/29470\/IL\/Chicago\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">condo in Chicago, IL<\/span><\/a><span style=\"font-weight: 400;\">, here\u2019s what you need to know before paying your first mortgage.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">When is your first mortgage payment due?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Your closing date determines when your first mortgage payment is due. In most cases, it will be due on the first day of the second month after your closing date. One way to estimate your due date is to add 30 days to the closing date and find the next month.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you close on June 15, adding 30 days would bring you to July 15. The next full month is August, so that\u2019s when you should expect your mortgage payment to be due. <\/span><span style=\"font-weight: 400;\">Every lender is different, so be sure to check your<\/span><a href=\"https:\/\/www.redfin.com\/blog\/closing-documents\/\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">closing documents<\/span><\/a><span style=\"font-weight: 400;\">, as they should also specify the first payment date.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How much is your first mortgage payment after closing?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Your first mortgage payment will likely be listed in your closing disclosure, which you\u2019ll receive before closing day. Mortgage payments usually include the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan principal<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taxes, if included<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homeowners insurance, if included<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Private mortgage insurance (PMI), if applicable<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Typically, your mortgage payment includes four parts, abbreviated as <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-piti\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">PITI<\/span><\/a><span style=\"font-weight: 400;\">: principal, interest, taxes, and insurance. Your payment may also include PMI if you had a lower down payment. Some may include HOA fees; however, many HOA fees are paid directly to the board, rather than included in your mortgage payment.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Why is the first payment higher than expected?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It\u2019s common for your first mortgage payment to be higher since there is a longer gap between closing and your first scheduled payment. This is largely due to the occurring interest. Most lenders charge interest per diem (per day), which can drive up the cost of your first payment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some lenders include this additional interest in what you pay on closing day, while others may roll it over to your first mortgage payment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, you may be paying interest for 45 days, rather than just a 30-day month. In most cases, your principal and interest will stay the same throughout the life of your loan. You\u2019ll likely see yearly fluctuations in insurance costs or property taxes, which can impact your payments.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Can you change when your mortgage payment is due?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sometimes lenders will allow you to choose which day of the month you pay your mortgage. If allowed, it can be a good idea to choose a date that aligns with when you receive your paycheck.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some lenders may only give you two options, one date at the beginning of the month and one during the middle of the month. For example, they may allow you to choose between the 1st or the 15th of the month. Always be sure to speak with your lender so that you know what your payment options are.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">3 steps to pay your mortgage\u00a0<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">1. Set up an account with your mortgage servicer<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You\u2019ll need to set up an account to pay your mortgage, typically through a mortgage servicer, which may or may not be your lender. Your lender often \u201csells\u201d your mortgage to a mortgage servicing company. You\u2019ll be notified if this happens, so you can set up an account for payments going forward.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Decide how you\u2019ll pay your mortgage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Most homeowners set up automatic payments, which can be the easiest way to ensure you\u2019re making payments on time. Some lenders may offer incentives or discounts for using autopay. You can also pay manually online, by check, or by phone, but these options will require you to be diligent about paying on time. Your lender may have a preferred payment method, so it\u2019s important to check with them in advance.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Make sure you have enough funds<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Buying a home includes a lot of unexpected expenses, so it\u2019s important to make sure you have enough funds to cover your first few mortgage payments. Many lenders don\u2019t accept payments via credit card, so you\u2019ll want to ensure your checking or savings accounts have the appropriate funds to cover your mortgage.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What happens if you miss your mortgage payment?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The first step is to pay your mortgage as soon as possible. Many lenders offer a grace period, typically between 10 and 15 days, before they charge you any late fees or other penalties. If you pay after the grace period, then your payment is considered late.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you anticipate you\u2019ll be late on your mortgage, it\u2019s best to speak with your lender in advance, as they may be able to change your payment schedule. Repeated missed or late payments can impact your credit score, affect your ability to get another mortgage, or, in the worst case, could lead to <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-buy-a-foreclosed-home\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">foreclosure<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">FAQs about paying your mortgage<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What is included in your first mortgage payment?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Typically, you\u2019ll pay the additional interest incurred between closing day and your next mortgage payment, along with PITI for the 30 days following. After this initial payment, your mortgage should only consist of PITI for the month ahead.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Where do you pay your mortgage?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can pay online via your lender or servicer\u2019s website, send a check, or pay via phone.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do you skip a mortgage payment after closing?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You don\u2019t technically skip a mortgage payment after closing, but it can seem like it. Since you don\u2019t pay until the next full month, there may be a month in between where you don\u2019t have a mortgage payment due. However, you\u2019ll either pay additional money at closing or when the first payment is due to make up the difference.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do I pay HOA fees with my mortgage?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It\u2019s uncommon to pay <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-an-hoa\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">HOA fees<\/span><\/a><span style=\"font-weight: 400;\"> with your mortgage, but it can happen. Many HOAs request that you pay them directly. There are some cases, such as new developments, where HOA fees may be included in your mortgage payment.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Find out when your first mortgage payment is due after closing. Learn how to calculate the date, tips for paying, and what to expect as a homeowner.<\/p>\n","protected":false},"author":537,"featured_media":84856,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34276],"tags":[34529,34642],"coauthors":[33440],"class_list":["post-109165","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","tag-buying-faq","tag-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>When is Your First Mortgage Payment Due After Closing? - Redfin<\/title>\n<meta name=\"description\" content=\"Find out when your first mortgage payment is due after closing. 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