Annual Escrow Account Disclosures Statement

需要帮助，密密麻麻的看不明白。
大体情况是这样，买房已一个多月。每月pricipal & Interest 是a，HomeOwner INS 每年b，折合成每月为c。这样 Total Payment 是a+c。
Escrow Deposit c。（但我第一年b已付在closing fee).
问题一，我每个月付费除了本金和利息外，还要付Escrow费吗？我已经付在cosing fee中。

今天刚收到一封信，说escrow要调整,考虑到TAX PAYMENT e, TOTAL DISBURSEMENT 应为b+e, 这样买个月需付f=(b+e)/12
问题二，TAX 要不要放在Escrow里付，还是直接付给地方政府。

问题三最搞人。
Under your mortgage contract, state or federal law, your lowest monthly balance for the next twelve months should be $525.16. This equals a reserve of two monthly escrow payments. As shown in the chart below, the difference between the lowest projected balance and the corresponding required escrow account balance equals the shortage or surplus in your account.

Your projected beginning balance as of 02/01/2009 is $349.96. In order to reach the lowest balance, your required beginning balance according to this analysis should be $787.78. This means you have a shortage of $437.82. In accordance with Federal Regulations, the shortage may be added to your new monthly payment for 12 months (see new payment above $437.82/12 = $36.49)...

现在银行要我在10天之内付$437.82。
我的问题是为什么要从明年二月份算起？这一大段资料看得我眼晕乎乎，我要不要付这个shortage？

谢谢帮助