You usually do have to prepay the taxes. Didn't the escrow company, your loan officer or your agent give you an estimate of what you would need to bring to the table? I know when you are not counting on coming up with that kind of money it is frustrating!
You are not repaying the property taxes for the seller. You are paying for your "portion" of the tax from the time the property is recorded in your name until it becomes due again in November. From an agent's perspective, I always advice my client to allow some funds from some unexpected costs especially if you "shopped" around for your own lender since there are times that there are items not included in your estimated closing costs. I don't think you've received the HUD1 as yet if you have not closed escrow- what you received is the estimated HUD1 which has some allowances in them including escrow pad which ,if not used, will be returned to you. Buying a house is a learning curve and you will look at this as a learning experience. Enjoy your new home!
I hope that simplified things for you,
Your banker informed you that you would not have to prepay any property taxes.The seller paid are not prepaid as they were already due. I know it's complicated but they paid them up to June so you will have to pay them back (repay) but this is different then having your taxes in an impound account as the taxes were already due through June.
I know it's frustrating but the costs of purchasing a home can be quite complicated. It's always good to set asside a little for "surprise" costs. The county isn't one to issue refunds.
Congrats on your new home.