Step 1 · Analysis period and account status
Use the dates and status from the escrow statement
Step 2 · Escrow items
Add each bill, its timing, and how often it repeats
Use the amount of each individual payment. Monthly mortgage insurance can include a known ending month; multi-year items are collected across their full cycle.
Step 3 · Repayment view
Separate rule-based options from your own what-if
Information missing
$900.00 shortage
A shortage is a current balance below its target. A deficiency is only an actual negative current balance. The lowest future balance is shown separately and is not called a deficiency.
Information still needed
- loan type
- property state
- mortgage-document cushion and escrow terms
Annualized collection basis
$7,200.00
Base monthly escrow
$600.00
Selected cushion
$1,200.00
Lowest projected balance
$300.00
Selected repayment view
This spread meets the federal minimum of 12 equal monthly payments for this type of result.
$75.00 for 12 months
Surplus rule
No surplus treatment applies to this projection.
How to use the running-balance table
Each row begins with the prior month's ending balance, adds the regular escrow deposit and any selected catch-up amount, then subtracts bills scheduled for that month. The table helps you locate the projected low point and compare the servicer's timing—not predict your checking-account balance.
| Month | Beginning | Regular deposit | Catch-up | Bills paid | Ending |
|---|---|---|---|---|---|
| January 2026 | $1,500.00 | +$600.00 | +$75.00 | — | $2,175.00 |
| February 2026 | $2,175.00 | +$600.00 | +$75.00 | — | $2,850.00 |
| March 2026 | $2,850.00 | +$600.00 | +$75.00 | — | $3,525.00 |
| April 2026 | $3,525.00 | +$600.00 | +$75.00 | −$1,200.00 | $3,000.00 |
| May 2026 | $3,000.00 | +$600.00 | +$75.00 | — | $3,675.00 |
| June 2026 | $3,675.00 | +$600.00 | +$75.00 | — | $4,350.00 |
| July 2026 | $4,350.00 | +$600.00 | +$75.00 | — | $5,025.00 |
| August 2026 | $5,025.00 | +$600.00 | +$75.00 | — | $5,700.00 |
| September 2026 | $5,700.00 | +$600.00 | +$75.00 | — | $6,375.00 |
| October 2026 | $6,375.00 | +$600.00 | +$75.00 | −$6,000.00 | $1,050.00 |
| November 2026 | $1,050.00 | +$600.00 | +$75.00 | — | $1,725.00 |
| December 2026 | $1,725.00 | +$600.00 | +$75.00 | — | $2,400.00 |
Why this is called a checker—not an audit
The tool independently projects a trial running balance and highlights questions. A complete case-specific evaluation would also need the statement history, mortgage documents, loan program, jurisdiction, and exact transaction dates. MortgageWhy does not present this educational checker as a legal or compliance audit.
Important calculation convention
The projection adds the monthly deposit before subtracting bills entered for the same month. Exact dates can change the result, so compare the table with the servicer's computation year and disbursement timing.