You may also want to check your closing statement as YOU may have been given credit for the prior months charge which would then mean you would also owe the balance forward amount. The balance forward amount to me means prior charges that haven't been paid. Which would be fine as long as you were given the proper credit on the settlement statement. Same with your property taxes - you should have been given credit on the settlement statement for the portion of the year you didn't own it. Then you become responsible for the entire tax bill when it comes out in November.
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