Do I need to spread loam?
Usually, when see is planted, it requires 1/4 - 3/8" of loom for cover. Usually, the bed is rolled (to be sure you have any 'depressions' filled before you seed), then you fertilize, then you see, then you cover.
You might want to consider Power Seeding (but you should STILL roll the dirt flat.) In my area, 3000 sq. ft. costs 88$, plus you'd have to pay for 2 additional 'follow-up visits' (for what, I don't know because I didn't persue it.) Sod costs about $.17 sq. ft., minimum 4000 sq. ft., delivered (not installed.) Seeding is certainly the cheapest. After rolling and filling the 'low spots', you'd seed with a Spreader. Done! Well, then you'd have to cover with 1/4 - 3/8" of loom.
My best to ya and hope this helps.
Jay J -Moderator
PS: If you're seeding, you should wait until Fall (if where you live you have 4 Seasons ...)
A power seeder is a good option. You want good soil contact for the seed to germinate and grow. If you can get a slit seeder that is the best. But those are hard to find to rent. They are expensive machines to maintain which makes the rental fees outrageous.
Bringing in new loamy top soil is a waste unless you bring in 3-4" worth. Less than that and the roots still need to grow in the old soil.