Why did my payment decrease even though I have a shortage?

A decrease in this year’s payment even though you have a shortage means that this year’s shortage is less than last year’s shortage.

If you had a shortage at escrow time last year, it is now paid in full. Therefore your payment should decrease by the amount assigned last year to make up last year’s shortage. If you have another shortage this year, the new shortage amount is reflected in your new payment.

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