Separate accounts, separate debits cards etc.2.

Property tax credit/debits are handled at closing and pro-rated to the day between the buyer and seller.As I am to understand, with multiple administrative layers liens need to filed at the property level. 

I've saved up a chunk of funds, maximized my credit score, and paid off a substantial amount of debit so I'm ready to purchase now.

For some data points:11CapitalFinance30 year fixed loan at 70% LTV with a 3 year pre-payment penalty and is based on a 800 FICO score.6.75% APR$1918: 2 lender points $1720: lender underwriting / doc fee$1918: 2 point broker fee$500 appraisal Total cost: $6056 + pre paidsPrime Lending30 year, 70% LTV5.625% APR (was told today that it’s come down this week from this)Lender: $1350Appraisal: $475Title: $1300Total cost: $3125 + pre paids

Prepaid water/sewerYou might have HOA costs, which are typically 1-3 months of fees and a capital reserve.  

At close, SOP (at least in OR) is you get a debit for tenant deposits and buyer gets a credit.  

Many banks offer low or no closing costs loans, and a low introductory rate for the first year or so (though personally, I am not that rate sensitive when it comes to a HELOC - it's always a lot cheaper than hard money or a credit card, and I don't use it for long term debit, so frankly I don't care all that much about the interest rate.

@Thomas SmithI would suggest going with the one you already have business with since they are most likely going to require you to open a checking account with them for direct debits.

This number consists of your 5% down payment, closing costs (title fees, appraisal), and prepaid (homeowners insurance and property taxes).

This number consists of your 5% down payment, closing costs (title fees, appraisal), and prepaid (homeowners insurance and property taxes).