Monthly escrow estimate
The base contribution is the sum of the annual amounts for expenses you identify as escrowed, divided by 12. We show a stated shortage repayment separately. If you provide principal and interest and other monthly mortgage charges, we can also show an estimated combined payment. Items you pay directly should not be included as escrow expenses.
Shortage scenarios
Our comparison uses the shortage, remaining repayment period, and hypothetical lump sum you enter. It illustrates arithmetic, not a right to select a particular repayment plan. The servicer must confirm accepted payment options, how any extra funds will be applied, and the effective date of a revised payment.
Payment changes
The tool compares old and new annual tax, insurance, and other escrow expenses on a monthly basis. It separately compares shortage installments and other mortgage payment components. It can explain a change only to the extent the inputs reflect the statement. Amounts already included elsewhere should not be entered twice.
The 12-month timeline
The timeline begins with the opening balance you enter. For each modeled month, it adds the contribution and subtracts the bills assigned to that month. The result is an illustrative month-end balance, not a daily ledger. The lowest projected balance is compared with your entered reserve target. Any additional funding shown is a simplified gap to that target; it is not an official shortage or legal finding.
A cushion is a target balance, not an additional recurring annual expense. The rules for covered loans generally cap the cushion at one-sixth of estimated annual disbursements; applicable state law or loan documents may require a lower limit. A servicer may use less or no cushion. See Regulation X § 1024.17.
Statement reading and confirmation
The reader uses local text extraction and optical character recognition to identify possible figures. Layouts, scans, and similar labels can cause mistakes. Extracted candidates are not verified financial facts. Check each value against the statement and confirm the figures you choose to send to the calculator. Missing information must be entered; it should not be guessed.
Important boundaries
These tools do not reconstruct a complete servicer ledger, determine compliance, incorporate every loan exception, or replace a professional assessment. Delinquency, servicing transfers, unusual billing cycles, changed dates, overlapping insurance premiums, and missing transactions can produce differences. Rounding may also differ from the servicer’s method.
Editorial sources and updates
Each guide lists its sources. Dates identify the preparation or substantive update of content, not an automated freshness signal. Examples use fictional amounts. Financial and legal rules should be checked against the linked current official resources and your individual loan documents.
Contact us
For questions about this website, contact Your Insure Cure LLC at info@escrowproblem.com. Contact your mortgage servicer directly for account servicing, payment changes, or corrections to your official escrow analysis.