Should I add my initial deposit for the escrow account and daily interest charges to my loan balance?

SORRY MY QUESTION POSTED A LOT OF TIMES & I DON'T KNOW HOW TO DELETE THE OTHERS OR WHY THE INFORMATION FOR MY QUESTIONS NEVER SHOW UP. HERE IS THE INFO: I got offered a loan at 3.875% on 396,000 for 30 years fixed for a payment of 1862.14 for Principal & Interest. However, my husband and I are willing to pay the initial deposits of escrow account and daily interest charges of 4851.53 to closing. I figured this is something we would need to pay on our own anyway, so why add it to my loan balance. The broker, however, made it seem as if we aren't even saving that much on our payment, which would be lowered to 1838.63. The way that I see it is that I avoid paying interest on that money for 30 years. Why not take the money to closing if I have it????? Interest=PrincipalXrateXtime, so that would be 5639.90 free interest money that I would pay on that extra money added to the loan. My current loan is 5.875% for 30 years and I have paid 4.5 years on that already, so I figured that I'm already adding those years back to my loan by taking another loan for 30 years. I didn't want to add more to my loan balance and this new loan is saving me $628 per month already if I take the lower loan balance, so I figured I would get my 4851.53 escrow money back in just 7 months....Another thing, my current loan balance is 390,794 but the broker puts the balance as 391,000. Can't they give me a loan for exactly what I owe or are they always rounded like this? please give me your 2 cents.