Escrow Analysis Calculator

Monthly escrow amount from taxes and insurance.

Legal Disclaimer

This calculator provides general estimates only and does not constitute legal advice. Laws, regulations, and court procedures vary significantly by jurisdiction. Consult a licensed attorney in your area for advice specific to your situation.

DEGRAD

How to Use This Calculator

Enter Annual Property Tax, Annual Homeowner's Insurance, and Annual PMI (0 if not required).
Add Annual Flood Insurance if your property is in a flood zone.
Set RESPA Cushion Months (lenders can require up to 2 months as a buffer).
Enter Months to First Tax Due and Months to First Insurance Due to calculate initial escrow deposit.
Review Total Monthly Escrow — this is added to your principal and interest payment.
Use the initial deposit figure when budgeting for closing costs.

How the result changes with Annual Property Tax ($)

Annual Property Tax ($)	Total Monthly Escrow	Initial Escrow Deposit at Closing
20,000	$1,791.67	$11,750.00
70,000	$5,958.33	$36,750.00
130,000	$10,958.33	$66,750.00
180,000	$15,125.00	$91,750.00

What each input means

Annual Property Tax ($): Total annual property tax bill.
Annual Homeowner's Insurance ($): Annual homeowner's/hazard insurance premium.
Annual PMI ($): Annual private mortgage insurance (0 if not required).
Annual Flood Insurance ($): Annual flood insurance premium (0 if not in a flood zone).
RESPA Cushion (months): Lender-allowed cushion (max 2 months under RESPA).
Months to First Tax Due: Months between closing and the first property tax disbursement.
Months to First Insurance Due: Months between closing and the first insurance premium due.

What each result means

Total Monthly Escrow: Combined monthly escrow payment for all items.
Monthly Tax Escrow: Monthly portion set aside for property taxes.
Monthly Insurance Escrow: Monthly portion set aside for homeowner's insurance.
Monthly PMI Escrow: Monthly portion set aside for private mortgage insurance.
Monthly Flood Escrow: Monthly portion set aside for flood insurance.
Annual Escrow Total: Total escrow collected over 12 months.
Initial Escrow Deposit at Closing: Lump sum deposited into escrow at closing.
Tax Portion of Deposit: Initial deposit portion covering property tax reserves.
Insurance Portion of Deposit: Initial deposit portion covering insurance reserves.
RESPA Cushion Amount: Extra cushion the lender holds in the escrow account.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Annual Property Tax ($) = 4800, Annual Homeowner's Insurance ($) = 1500, Annual PMI ($) = 0, Annual Flood Insurance ($) = 0 = 7 input(s) provided
Calculate Total Monthly Escrow
Total Monthly Escrow = r(totalMonthlyEscrow)
525 = $525
Calculate Initial Escrow Deposit at Closing
Initial Escrow Deposit at Closing = r(totalInitialDeposit)
4150 = $4,150
Calculate Monthly Tax Escrow
Monthly Tax Escrow = r(monthlyTax)
400 = $400
Calculate Monthly Insurance Escrow
Monthly Insurance Escrow = r(monthlyInsurance)
125 = $125