Why did your payment change?

Compare old and new figures side by side. We will separate tax and insurance changes from shortage installments and other mortgage costs.

Use annual amounts for expenses and monthly amounts for principal, interest and other charges. To compare escrow alone, enter 0 for principal and interest on both sides.

Before · previous payment

Annual property taxes ($)Use the expected full-year amount paid through escrow.

Annual homeowners insurance ($)Use the annual premium, not your monthly mortgage payment.

Other annual escrowed expenses ($)Include flood insurance or other bills only if your servicer pays them from escrow.

Shortage to repay ($)Use the shortage on your analysis. This tool does not calculate it from annual bills alone.

Repayment period (months)Replace 12 with the period on your statement or confirmed by your servicer.

Monthly principal and interest ($)Do not enter your entire mortgage payment here.

Other monthly mortgage charges ($)For example, mortgage insurance charged separately. Do not enter a charge twice.

After · new payment

Annual property taxes ($)Use the expected full-year amount paid through escrow.

Annual homeowners insurance ($)Use the annual premium, not your monthly mortgage payment.

Other annual escrowed expenses ($)Include flood insurance or other bills only if your servicer pays them from escrow.

Shortage to repay ($)Use the shortage on your analysis. This tool does not calculate it from annual bills alone.

Repayment period (months)Replace 12 with the period on your statement or confirmed by your servicer.

Monthly principal and interest ($)Do not enter your entire mortgage payment here.

Other monthly mortgage charges ($)For example, mortgage insurance charged separately. Do not enter a charge twice.

Your numbers stay in this browser tab.

Understand the numbers

A fixed interest rate does not make every payment component fixed.

The tax and insurance amounts paid through escrow can change even when principal and interest do not. A temporary shortage installment can also make the increase larger than the change in ongoing bills alone.

This comparison includes only what you enter. If the totals do not reconcile, review mortgage insurance, fees, an adjustable-rate change, or a temporary buydown ending. CFPB explains other reasons a payment may change.

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 →