EscrowProblem.A homeowner’s reference
Calculate My EscrowLock My Premium
A practical guide for homeowners

Understand your mortgage payment.

If your payment went up, start with the numbers. We’ll help you separate taxes, insurance, and an escrow shortage—and understand what to ask your servicer.

Calculate my escrow Help with my statement

Free tools. No account needed. Calculations stay in your browser.

New to escrow? Read the basics
One payment, explainedWorked example
Monthly mortgage payment
$2,425per month
Principal & interest
$1,700
Property taxes
$400
Homeowners insurance
$200
Temporary shortage repayment
$125
The escrow portion: $725

$600 for upcoming bills, plus $125 to repay a shortage.

Fictional figures for learning. Your statement may include other charges.

The reading room

Answers to the questions
on your statement.

  1. Why did my mortgage payment increase?

    Find the difference between higher bills and a temporary catch-up payment.

  2. Should I pay the shortage all at once?

    Compare the monthly effect with the cash you would pay upfront.

  3. How does insurance affect my escrow?

    Understand what an insurance renewal can mean for your mortgage payment.

  4. What if the numbers don’t look right?

    Gather the right records and prepare your questions for the servicer.

Browse all 15 guides
Have your analysis in front of you?

Let’s read it together.

Open a PDF or photo and find the figures that matter. Your document is read on your device, and you check the numbers before using them.

Read my statement
  1. 01
    Open your document

    Use a PDF, JPG, or PNG.

  2. 02
    Check the figures

    Confirm the amounts against your statement.

  3. 03
    Understand the result

    Send reviewed numbers to the calculator.

Premium Lock® by Eventual

Plan for your next insurance renewal.

Explore up to 3 years of added predictability for your homeowners insurance budget.

See if my policy qualifies
Help with qualifying premium increases.

A separate paid service reimburses eligible amounts above your quoted payout threshold. Your insurer’s bill and escrow payment can still change.

Eligibility, fees, and agreement terms apply. Property taxes and existing escrow shortages are separate.

How Premium Lock works
Before you go

Two things worth knowing.

Does a fixed-rate mortgage mean a fixed payment?

The interest rate can stay fixed while property taxes or insurance premiums change. Escrow adjustments and shortage repayment can affect the total. Read about payment changes.

Does an escrow shortage mean I missed a payment?

Not necessarily. Bills or their timing can differ from the servicer’s projection even when you pay on time. Understand shortages and deficiencies.