Why do fixed USDA loans go up?I bought my home in 1999 signing a fixed rate USDA guaranteed loan. My mortgage payment was $448/mo. Much to my surprise my monthly payment has gone up every year since. My property taxes and homeowner's insurance was escrowed into the loan. So the USDA told me this was the reason for the increase. However, if I paid the escrow shortage my monthly payment would not increase. So every year I have paid the shortage; yet my monthly payment continued to go up. My mortgage payment is now $612.39/mo. How can this happen? Has anyone else experienced this with USDA?September 14 2013 - Clinton00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.