That might be close enough, but if it were me, I would not let it rest at that. You have nearly twenty-two thousand words you can't account for. That title page isn't going to be more than 25-30 words, depending on the novel's title, your name, and a few other variables. Say it's thirty, and you've got 29 of them because this isn't a single document. That accounts for only 870 words out of 21, 096, leaving you with over twenty thousand words. Say it's counting the words in your page headers and the words Chapter X. That's not going to approach 20K. I'm having to guess at how many pages you have, but if it's 300, you're likely adding only 8 or fewer words per page, 2400 words, depending on the title. (I use a one-word short form for my title in headers. The book titled The French Method just has French in the header.) That still leaves a staggering number of words that you can't tally as part of the book or not part of the book.
Since in a perfect world an agent or publisher is going to request the full based on your terrific query, and since they won't want you to send 29 separate chapters, I'd say now's the time to put this into a single document. (I know, bo-o-oring!) Do a word count before you add the title page and headers. Subtract 58 for the words Chapter X. If your count is near 80K, you're good.
Maryn, concerned there's some sort of embedded code in there