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Aggregate Adjustment

An aggregate adjustment is a calculation your lender uses to prevent collecting more money for your escrow account than is allowed under the Real Estate Settlement Procedures Act (RESPA). Under RESPA, lenders can’t keep more than 1/6 of your annual property tax and insurance payment amount as a cushion in your escrow account at any one time. Prior to closing, your lender will calculate your aggregate adjustment to determine whether they need to credit any money to you to prevent your escrow account from holding more funds than are allowed.

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