Do you mean "owe to escrow"? A typical monthly mortgage payment includes two parts: (1) Principal and interest payment (usually is a set amount if your mortgage loan is a fixed rate loan); (2) Escrow payment which is credited in your escrow account to pay for your property taxes and homeowner’ insurance, etc. This portion can change from one year to another based on the changes on the property tax rate, appraised value of your house or homeowner’s insurance premium. The escrow pool for your account is usually reviewed at least annually. A statement will be sent to you indicating either you owe escrow money (what you paid in the last 12 months couldn’t cover the escrow payouts), or a refund from the escrow (you’ve paid too much in the prior year).

Did your current month mortgage amount change compared to prior month? If so, then you will probably need to make up for the escrow deficit either in one payment or spread out among the next 12 months, if your mortgage company agrees. Does it help answer your question?

This definitely explained it clearly.

I have made the shortage payment few weeks ago.  You dont want to get the refund from the escrow payment, nor do you want to make the shortage payment (big $ amount).

I am clear about 2 楼, 非常感谢. but i am not sure about this one. more than 2 months' payment, what payment? could you use # to give me better idea?

another question about property. after closing, u got a package of docs and they explained to you page by page.  we did not really look at them again after that. Now we got a Deed record which is like several pages with some official #. Is this the same as Title? I think I saw somewhere that they are different. if so, what does title look like? and how does this deed suppose to work? will the title be mailed to you after closing?