If your escrow account is projected to have more than the minimum balance required at its lowest point in the 12-month period, you have an overage. This happens if the taxes or insurance premiums for the previous 12 months were less than expected or if they're estimated to go down in the next 12 months. In most cases, we’ll send you a refund check for that amount. If the account is delinquent, refunds of surpluses are held until the account becomes current.