You need to take all your documentation to a real estate attorney pronto. Even if title company “made a mistake”, they cannot change numbers on settlement statements after the fact, and certainly cannot do so 90 days after closing. If they made an error, that is not your fault. Love to get them to put the “we changed the numbers” in an email to you…..that would be great evidence for you. Run, don’t walk, to an attorney ASAP!