We just got our Escrow Analysis and I'm hoping someone can help me understand what's going on. Our account was short $1575. That seems like an enormous amount to me, especially since the last few years it's only been short like $400. Anyway, the only thing that changed from last year to this year is that our homeowners insurance went up by $800. That's a whole separate issue I have to deal with. In the meantime, I can't get anyone to explain to me how an increase in payments due of $800 results in a shortage of $1575. The mortgage company keeps telling me that it's because our homeowners payment is due in December and our taxes are due in February, so by the end of Feb our account will be below the "cushion" amount. Fine. I get that. What I don't get what happened LAST YEAR to get us to the point where we're so short THIS YEAR. Can someone out there explain to me how this works and whether my mortgage company is somehow at fault?