Can a bank increase my mortgage without notice?

I bought my house last May. I just went online to pay my bill and notice it was $ 600 more than normal. We called the bank and were told they did not expect to pay the taxes in full this year?! My escrow account is drained. We bought the house for what we did because that’s what we felt we could pay, but now that our mortgage payments have been increased by $ 600 a month we can no longer afford it.
I called the tax collectors and were told the taxes dropped by 1k for this year bringing it down to $ 5300.
How could the bank have not known and why didn’t I get any notice at all?

Other info: We have a 30 yr fixed rate HUD 184 loan.

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