我不知道你的贷款是不是conventional loan

"If your loan is a federally related mortgage loan under RESPA, then there are limits on how much a lender can make you pay, both at closing and in your recurring mortgage payments."

https://www.consumerfinance.gov/ask-cfpb/is-there-a-limit-on-how-much-my-mortgage-lender-can-make-me-pay-each-month-for-insurance-and-taxes-the-escrow-en-200/#:~:text=They%20can%20require%20you%20to,to%20serve%20as%20a%20cushion.