An aggregate adjustment is a credit in your favor, and it appears whenever your loan has an escrow (impound) account. At closing, the lender collects money to seed your escrow account so there's enough on hand for upcoming property tax and homeowners insurance bills. Federal rules under RESPA cap how large a cushion the servicer is allowed to hold above what's actually needed. The aggregate adjustment is the accounting entry, always a negative number, that refunds the portion of the initial deposit that would otherwise push the account over that legal limit. Two practical notes: - It reduces your cash needed to close, so it works for you rather than against you. - It usually doesn't appear in a loan officer's early estimates. It shows up once you're under contract and the actual escrow figures are known, typically on your Closing Disclosure. Missing from an early Loan Estimate is normal, and no cause for alarm. When your Closing Disclosure arrives, that's where the real escrow setup and the aggregate adjustment are finalized. Review that escrow section so you understand how your cash to close was calculated and can see the credit landing where it should.