I will buy eggs from youtomorrow when the bank opens and I can put money in my paypal, but . . .
I have been a lender for 20 years, and I want to offer some home buying ideas; one way of shaving off a good thousand + dollars at closing is to go without tax/insurance escrows, in other words tell your lender that you want to be responsible for paying your taxes and insurance on your own and that you don't need the bank to collect more than a years worth of both at closing. They may charge you a little extra in interest to do this, but the couple of dollars difference this will make in your payment is negligble. Then later after you are in the house, if you are uncomfortable in saving for taxes and insurance on your own, you can just ask the bank to begin collecting it in your payments and they will do that with out a fee.