203k loan used for first time home buyer

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Hi My name Is  Eloisa 

I just bought my first property to lived in, I used the 203k loan  that it was a little hustle.

Just to share a little more about this loan that in my opinion was better than a regular FHA because the house that I got it was renovated totally the entire house,!! electrical upgrades , plumbing,kitchen, roofing, shower, sewer,windows, doors, appliances.. plus I add the first 6month on the loan.

My concern is that $18k as leftover in the escrow it should go back to the principal and I only  got  $15K the bank said that the rest is towards mortgage payments… ??? 
Any of you has seen something like this happening?