Is there an Error on my HAMP payment?

Hello, I executed my permanent mortgage modification agreement. My HOA Fees of $375/mo and HOA arrears $1797.50 were not addressed in the loan modification document. My trial payment was $868.91. The final payment amount of $875.36 was calculated for $752.31 Principal and Interest plus $123.05 Property Tax Escrow only. Term was extended to 33 years starting with 2% Interest, graduating to 5.125% max in year 9. My gross income is $2802.93 composed of Social Security Disability (not taxable, before Medicare and Parts C and D insurance deductions) + $1204 non-taxable disability insurance income. $2802.93 x 31% is $868.91. My mortgage co. said I would have to reapply and do the whole process over if I wanted to capitalize the HOA arrears in the loan modification. My principal amount was $215,000 before the modification and the assessed market value of my house has decreased from $269,900 to $140,000. The principal balance was not reduced.