At closing can it be scheduled that the first mortgage payment be due thirty, sixty, ninety days from closing? This would allow those funds to be used to pay moving fees and to turn on services to my new home.
If you need help with getting a loan in place that will work best for your needs, I'd be happy to speak to you directly without any obligations to use my services. If you are purchasing a home, you could have the offer to purchase provide terms for the Seller to pay your Closing Costs. VA is 100% Financing, but if you don't ask for closing costs to be paid by the seller, you'll have to pay those costs at closing out of pocket. This may be a quick way to rework a file to get you in the house you are looking to purchase and keeping your goal of having money left over to move and get utilities in place. I am sure there is a way to help you, so feel free to reach out to me by email or give me a call. I'm here to help! Enjoy the night!
Typically, your first mortgage payment is around 30 days after the closing. This is because interest on the mortgage is paid in arrears not in advance.
Much will have to do with your closing date. For example if you close on April 15th, you will pay prorated interest at the time of the closing until April 30th, but your first payment will not be made until June 1st.
I do not know if lender's will allow you to push out the first payment any further.