Your taxes are do every 1st of the following months: February, May, August & November.
As far as I am aware there are no particular laws as to how much a lender can calculate to collect taxes. What happens is that a tax search might not show what the next quarter taxes are so they rather over estimate and collect the money upfront then to chase the borrower after closing for the shortage. The title company will make the check to the town and usually when there is an overage a credit will be given to your escrow account. If the title company didn't send payment out yet then they will need to refund you the difference. Your bill and mortgage statement should be coming shortly if it has been 45 days. Giving them time to sell your loan to the secondary market.