Department of Housing and Urban Development
451 7th Street SW
Washington, DC 20410-3415
(Mon-Fri: 8:30 AM to 8:30 PM ET)
If your VA loan began before May 1, 1995, you can deduct your escrow balance from the total payoff amount. However, if you are refinancing with Citi, don't deduct your escrow balance from the payoff amount since that balance will be transferred to your new account.
Remember that escrow expenses occur up to the payoff date and will affect your escrow balance amount, so you'll need to cover any payoff shortages from these expenses. You'll receive a refund of any remaining escrow balance after payoff.