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.