What Is Aggregate Adjustment?
The aggregate adjustment is a line item on a mortgage's initial escrow account disclosure that reconciles the actual monthly escrow payments collected against the cushion RESPA allows a lender to hold — it's a math correction, not a fee, and is usually a small negative number.
Why it matters
Borrowers often notice this line on their Closing Disclosure or escrow analysis and mistake it for a hidden charge — it exists purely to keep the escrow account's math within federally allowed limits.
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This definition is provided for general educational purposes and is not financial, legal, tax, or real estate advice. Verify important decisions with appropriately qualified professionals.
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