Holy @!*&$##*&^@$!

I just received a revised Mortgage statement.

Due to my property taxes going up by $400 and FEMA doubling the cost of my mandatory flood insurance (to $2880/year if anyone cares), I have to repay $3400 to escrow AND increase my monthly payment by almost $200 ($994.02/month) or I can increase my monthly payment by $450 ($1273.41/month).  How the heck am I supposed to do either?! I really want to keep my house but the government is making it nearly impossible.

I can't really do anything tonight but I did my taxes to figure out how much money I might have to work with.  It's  about $2600 which isn't enough.  I'd hoped to do some catching up with that money but if I have to use it to keep my house I guess that's what I have to do.  I got about a $100/month raise but that doesn't come up with $200/month.  If my parents can come up with the balance to loan me and continue to pay my school loan payment so I can quit making that payment, I might make it.

My big hope is that some new job at a higher pay scale comes open and I'm the perfect candidate.