<prompt> Human: I just got the escrow statement for my mortgage and found that our escrow is underfunded by about 350. NBD, I get how it works and everything. I looked at the estimated distributions for the upcoming year and it feels like their assumptions are too low. They arent assuming any increase in the homeowners insurance and it appears they are using an old property tax rate. Even though they are tacking on another 30 to our monthly payment, it feels like this will still be too low.What would you do in this situation? Im tempted to send a check for 400 to cover this years shortage and prepay some of the escrow shortage that I anticipate happening this time next year. Or should I just hang on to that money and not worry about it, since its kind of their fault that they cant accurately project the next years distributions? Is there another option Im not thinking of?  <response>: Keep your 50 for another year. In my experience, the escrow management clerks are barely capable of processing the expected funds, let alone EXTRA funds. 