As the old tuna ad goes, "Sorry, Charlie." You're stuck, and he's stuck with the payments as you have calculated them. Just be very sure that your escrow analysis is accurate. If he doesn't come around, you will end up with a collection account and worse, perhaps. Make sure you document everything in case he files a complaint, and be prepared to handle error claims.
_________________________
John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8