Preheat oven to 375 degrees and lightly grease a 9×13-inch baking dish.: As the oven comes to temperature you will notice a dry warm air settling in the cavity, and that stable heat is what creates even browning and a cooked center. Greasing the dish prevents sticking and makes it easier to lift the loaf out once cooled slightly. A common mistake here is not waiting for full preheat, which can cause uneven cooking and a soggy bottom, so allow the oven to reach the set temperature fully before placing the dish inside. The right moment to put the loaf in is when the dial indicates full heat and a faint warm smell begins to radiate from the oven.
Place ground beef, onion, garlic, eggs, Panko crumbs, Parmesan cheese, Worcestershire sauce, parsley, salt, basil, oregano, black pepper, and 3 tablespoons of pasta sauce in a large bowl.: When the ingredients meet you will sense layers of aroma forming, from the sweet raw onion to the sharp tang of Parmesan cheese and the savory funk of Worcestershire sauce . The mixture should look cohesive but not wet, and the Panko crumbs will begin to absorb moisture. One thing to avoid is adding extra liquids at this stage, which can loosen the mixture and make shaping difficult. For best texture, let the crumbs hydrate for a minute so they hold moisture without collapsing the structure.
Gently mix until evenly combined. Do not overmix it or your meatloaf will be tough.: You will feel the texture change under your hands, moving from loose to lightly tacky, and the scent will become uniformly savory. Mixing by hand in broad folding motions prevents overworking the proteins, which is crucial to avoid a dense result. A common error is kneading like bread, which tightens the meat proteins and yields dryness, so stop once everything is evenly distributed and the mixture holds shape when squeezed gently.
Place half of the mixture in the prepared baking dish and shape it into a 9×5-inch rectangle.: When you pat the mixture into the dish you will notice it holds together yet gives slightly under pressure, and the surface will show small textured impressions from your fingers. Shaping into a rectangle helps create an even cooking profile and ensures the cheese center sits centered. Avoid compressing heavily, which removes air and leads to a dense interior. Aim for a gentle, even press so the loaf retains a tender crumb while keeping the shape.
Place diced mozzarella down the middle.: Laying the diced mozzarella down the center creates a concentrated melty core, and you can already imagine the rich, stringy pull as it heats. Distribute the pieces in a single line to avoid large pockets that could burst through thin meat walls. A frequent mistake is piling too much cheese in a narrow channel, which can force it out during baking, so keep an even row with small gaps between cubes for best melting behavior.
Cover the mozzarella with the rest of the meatloaf mixture, being sure to seal it together well on the sides so the cheese doesn't ooze out.: As you bring the top layer over the cheese you will feel the loaf become complete and compact, and sealing the seams by pinching gently will create a barrier that keeps the center intact. Press the edges together firmly but not aggressively, so the structure is continuous. If seams are left open, melted mozzarella can escape, so double check the sides and smooth any cracks before baking.
Pour the remaining pasta sauce on top. Bake for 1 hour.: The tomato sauce will spread into a glossy cap that slowly caramelizes, releasing an acidic, sweet aroma that mingles with browned meat scents. As the loaf bakes you will hear a faint crackle and see juices bead at the surface, signaling steady cooking. One common oversight is underbaking at the center, so check for a gentle give and an internal temperature that indicates doneness rather than relying only on surface color. Resist opening the oven repeatedly, which drops temperature and can extend bake time.
Sprinkle shredded mozzarella on top and place back in oven until cheese is melted.: Adding the shredded mozzarella late creates a bubbly, golden top that signals the finish, and the immediate aroma of hot cheese will be irresistible. Keep the loaf in the oven until the cheese is fully melted and starting to turn a delicate golden hue, watching carefully so it does not overbrown. A mistake to avoid is leaving it too long which makes the top rubbery rather than creamy, so remove when bubbling and lightly colored.
Let rest 15 minutes before slicing.: Resting allows juices to redistribute, and during this wait you will notice the loaf firm slightly, making clean slices possible and preserving the cheesy center. The internal steam will continue gentle cooking, and the mozzarella will settle into a luscious, sliceable core. Cutting too soon often causes the cheese to spill out and the slices to fall apart, so patient resting is key for tidy presentation and optimal texture.