Your escrow balance through the year.

Map expected deposits and bills to understand why payment timing matters. This is a future month-end projection, not a reconstruction of your servicer’s official analysis.

Start with your account

First month of projectionChoose the month immediately after the opening balance date.

Opening escrow balance ($)Balance immediately before the first modeled monthly deposit. Negative balances are allowed.

Monthly escrow deposit ($)Escrow portion only. Include an existing shortage installment once, if applicable.

Reserve target (months of bills)Use the target on your analysis. Two is a common maximum for covered loans; your limit may be lower.

Expected bills paid from escrow

List each payment separately, including separate tax installments. Include all bills within the 12 months.

One deposit is modeled each month; bills are grouped by payment month. Within-month timing and irregular deposits are not modeled.

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Understand the numbers

The same annual total can produce different low balances.

A large tax bill early in the year can draw down the balance before many monthly deposits arrive. Moving that payment to a later month can produce a different low balance even if the annual bill total is unchanged. This is why a balance projection matters.

The additional-opening-funds result is the amount that would bring this model’s lowest month-end balance up to your chosen reserve target, holding the monthly deposit fixed. It is not an official shortage, deficiency determination, or payment demand. A negative projected balance is a future scenario, not proof that your account currently has a deficiency.

These tools provide educational estimates. They do not change your required payment or replace your mortgage servicer’s analysis. Payment status, loan terms, state law, dates and missing history can affect the official result.

Methodology source: CFPB Regulation X, § 1024.17. Read our calculation methodology.

Explore the escrow guides →Read a statement →