When does interest start to accrue

[Diane G.]

I did a cash out refinance and escrow closed today. Now Chicago Title told me that the wire missed the cutoff time and I will get the fund next Monday. In that case, do I need to pay interest for the 3 days that I don’t have the money? Thank you 

[Russell Brazil]

Quote from @Diane G.:

Quote from @Russell Brazil:

When the wire goes out to you is immaterial. When the bank lent you the money is when interest starts accruing. 

I agree that the bank should be paid since the funding date, but shouldn’t the title company be paying them because the title has the money? Why should I be paying the bank when I didn’t have their money?

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