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The aggregate escrow adjustment is usually a negative amount or zero. If the aggregate adjustment is negative, then the lender must credit the amount of the adjustment to the borrower, which reduces the amount the borrower must deposit into his escrow account at closing.

This is where the Aggregate Adjustment comes in. It's usually a credit back to the homeowner due to a requirement that the lender cannot collect more than 1/6th of the total annual payments as a cushion. If the lender's calculation results in too much being collected, then a credit back to you must be made.

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).

The simplest way to calculate the aggregate adjustment is to make a short summary of the year's payments and expenses. With one line for every month, enter the amount due for property tax, insurance, or other regular expenses for that month. Then add up the total expenses and divide by 12.

The HUD-1 Settlement Statement is a document that lists all charges and credits to the buyer and to the seller in a real estate settlement, or all the charges in a mortgage refinance.In transactions that do not include a seller, such as a refinance loan, the settlement agent may use the shortened HUD-1A form.

Some of the information provided on a settlement statement include the contract price of the property, mortgage settlements, taxes paid, real estate agent fees, title company fees, closing costs, and any other costs or fees involved. The statement usually outlines how these charges affect the buyer and the seller.

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).