<prompt> Human: Ill start off by saying Im not too sure whats going on. This is happening to my dad and he seems really stressedworried about this and I was hoping you guys could help. He recently bought a new home weve only been living in it for two years and the payment went up 40 per month the first year and 90 this year. Hes contacted Wells Fargo and they keep on saying that it has to do with taxes, so he called someoneagain sorry if its not making sense and he found out taxes for the areaor the home havent been going up. If anyone could help me understand what is going on I would really appreciate it. I believe he has an escrow account with Wells Fargo and his bill has gone up from 1100 to 1300 at this rate the the bill will have almost doubled in 10 years, and thats not good considering he still has another 28 years or so left to pay it off.Edit: Thank you guys for your help. Im gonna show my dad your comments to help him decide what to do. I really appreciate your help and quick responses.  <response>: The escrow payment was likely less than it should have been initially. Its fairly typical for mortgage companies to adjust escrow contributions in order to get the escrow balance caught up if it starts in a deficit.Step 1. Is his insurance escrowed or just his taxes?Step 2. What are annual taxes and what is annual insurance payment if applicable?Step 3. What is the current balance on the escrow account and when is the next tax payment due?Step 4. What portion of his mortgage payment goes towards principal and interest versus taxes and insurance if applicable. Multiply latter half by 12.Step 5. Subtract result of Step 4 from Step 2.If he is paying more than is due, look Step 3. If Step 3 balance will be insufficient to cover the next tax payment, contact the lender. He may be able to make a one time payment to get the escrow account caught up and lower his monthly payment. Long term, the mortgage company is unlikely to decrease the escrow payment due monthly, even if there is a large excess of escrow money, unless he contacts them and requests it.He should have a statement that details it all out online depending on the servicer of the loan.He always has the option to pay the property taxes and insurance himself rather than through the mortgage company. Unless he is very good at managing his finances like a PFer Id recommend against this. 