Escrow Analysis Calculator

Enter the first payment date, HOI renewal timing, and taxes. Output includes per-item months collected, low point, cushion, aggregate adjustment, and a 12-month projection.

◇ Loan Timing

First Payment Month

First Payment Year

◇ Homeowners Insurance

HOI Annual Premium

Full annual premium. Leave blank if not escrowed.

HOI Renewal Month / Year

Month/year the policy renews.

◇ Taxes / Other Annual Items (Up to 5)

Item 1 Label

Annual Amount

Due Month / Year

Item 2 Label

Annual Amount

Due Month / Year

Item 3 Label

Annual Amount

Due Month / Year

Item 4 Label

Annual Amount

Due Month / Year

Item 5 Label

Annual Amount

Due Month / Year

◇ Mortgage Insurance (Optional)

Include Monthly MI (PMI/MIP)?

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◇ Results

Run a calculation to generate the escrow analysis, aggregate adjustment, and 12-month projection.

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