Free escrow payment check
Your rate stayed fixed. So why did your payment go up?
See how property taxes, homeowners insurance, and an escrow shortage may have changed your monthly mortgage payment—in a few private, guided steps.
- No account
- No name or address
- Deterministic math
Sample explanation
Your payment change
The sample numbers reconcile
Explained difference: $0.00 after normal rounding.
Start your free check
Choose how much you want to share.
Every path uses the same calculation engine. The manual path works entirely from the numbers you provide.
How it works
An explanation you can follow—not a black box.
MortgageWhy separates document reading from financial logic. The numbers go into a tested calculation, then you see the pieces.
Step 01
Find the figures on your statement
We guide you to the old and new payment, annual taxes, annual insurance, and shortage amount.
Step 02
Rebuild the monthly change
Annual changes are converted to monthly amounts, then combined with the shortage repayment.
Step 03
Compare the estimate with your notice
A discrepancy is shown clearly so you know which figures may deserve another look.
Understand your mortgage without sharing your identity.
The manual checker does not ask for your name, address, loan number, email, phone number, or bank credentials.
Read our privacy approachMortgageWhy Monitor
Check the whole mortgage statement every month.
Reconcile the payment, principal, interest, escrow, mortgage insurance, fees, and unapplied funds—then verify tax and insurance payments when those bills are due.
Learn before you call
Tools for understanding—and possibly lowering—your payment.
Explore all resourcesReview an annual escrow statement
Check dates, balances, required contents, shortage or surplus treatment, and build an action report.
Open resource12-month escrow analysis checker
Project the actual computation year with recurring bills, cushion, shortage, current deficiency, and surplus.
Open resourceLower an escrow payment safely
Check insurance, taxes, shortages, PMI, and refinancing in the right order.
Open resourceEscrow shortage calculator
Compare what paying upfront or spreading a shortage may add each month.
Open resourceInsurance savings calculator
See how a lower annual premium could change monthly escrow.
Open resourceProperty-tax change calculator
Convert a new annual tax amount into a monthly payment effect.
Open resourceEscrow surplus check planner
Compare a refund check with tax and insurance increases you already know.
Open resourceRefinance break-even calculator
Compare payment savings, closing costs, loan terms, and break-even time.
Open resourceCompare biweekly payment strategies
Separate true biweekly crediting, withdrawal plans, semimonthly timing, fees, and extra principal.
Open resource