I just thought this through. One more detail:

Either the entries paid by the title company or bank, from your loan, are Not Billable. Or, they are billable and you treat that as an invoice or sales receipt the same as your loan draw request. The trick is to "deposit" that "payment from the sale" to the same Cash on hand account that you used to enter the "payments to suppliers" that are part of this same activity. In other words, this Cash On Hand really is a Clearing account and should end at $0.

You don't want them billable and accidentally select them for the real draw submission. Watch for that difference.

So, it is nice to have one consistent method, in that everything is entered as Billable, and everything is selected as a Chargeback to the customer name, but keep your own draw requests separate from those that paid your suppliers on your behalf.