Well, the new escrow analysis arrived. That is, I received an email notification that I could go to the Wells Fargo web site to check it out.

Did I really want to?

Oh, I may as well rip the band-aid off and get it over with. It certainly can’t be any worse than the previous one, can it?

So I downloaded it and looked.

First the bad news.

There’s still a “shortage”.

But the good news, such as it is, is that the “shortage” is only $145. 

But even with the “shortage”, the escrow payment is going down.

Not by a lot; it’s only going down by about twenty bucks, if I do nothing, or by about $34 if I pay the “shortage” up front.

So I can pay more now to pay less later. Got it.

I dunno but I define “shortage” differently from the folks at Wells Fargo. How can there be a “shortage” and there be a reduction in my payment. That does not compute.

Ignorance is strength I guess. 

And it only took me about half an hour of careful reading, applying my rapidly deteriorating arithmetic skills, and going through the analysis to figure this out. Perhaps they’ve simplified escrow statements too much.