The price is the price, and unless they've made some kind of egregious error, your questioning them is not going to change anything. Remember that even though all the nitty-gritty details (about taxes, escrow accounts, etc.) are new to you, the people who prepared the paperwork do all this a couple of dozen times a day, and almost certainly know what they are doing.

Point taken, and I tend to agree with you. Normally I'd just assume I was missing something and trust that everything would work itself out properly. But in this case the loan officer I've been dealing with really doesn't give me the impression that the bolded part of your statement is true. That's what made me uneasy.

I'm hoping that she's really more of a customer interaction person and that all the real work is being done by other people.

The risk you face in delaying the closing is that rates will jump and you will get stuck with a higher rate.

The rate's locked at 3.25% so there's no danger there. I'm sure this will all get cleared up with a phone call on Monday so I'm not really worried about it as long as the signing can be rescheduled for Monday.