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
Conditional projection — $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
- confirmed actual escrow balance at analysis
- whether the statement separately states a required analysis starting balance
- confirmed collection-cycle start for Property tax, Homeowners insurance
- confirmed base escrow payment effective at the analysis date, excluding temporary recovery
- confirmed base-only monthly payment used for the cushion, excluding temporary recovery
Actual balance at analysis
$1,500.00
Base-projection starting balance
$1,500.00
Schedule-derived required starting balance
$2,400.00
Annualized collection basis
$7,200.00
Base at effective month
$600.00
Cushion-basis monthly contribution
$600.00
Selected cushion
$1,200.00
Lowest base-projection balance
$300.00
Required starting-balance reconciliation
Not available until the stated balance and schedule inputs are confirmed. The schedule-derived requirement is $2,400.00.
Selected repayment view
This repayment view is conditional. Confirm the collection-cycle start and a base-only escrow payment effective for the analysis before applying a repayment rule.
Component threshold check
- Deficiency
- Not applicable
- Shortage
- Unknown until the base contribution is confirmed
Conditional surplus view
No surplus treatment applies to this projection.
How to use the running-balance table
This recovery view begins with the actual account balance, adds the base escrow contribution, separately adds deficiency and shortage recovery, then subtracts bills scheduled for that month. The reported low point comes from the servicer's base projection, which may begin from a separately stated required analysis balance.
| Month | Beginning | Base contribution | Deficiency recovery | Shortage recovery | Total deposit | Bills paid | Ending |
|---|---|---|---|---|---|---|---|
| January 2026 | $1,500.00 | +$600.00 | — | +$75.00 | +$675.00 | — | $2,175.00 |
| February 2026 | $2,175.00 | +$600.00 | — | +$75.00 | +$675.00 | — | $2,850.00 |
| March 2026 | $2,850.00 | +$600.00 | — | +$75.00 | +$675.00 | — | $3,525.00 |
| April 2026 | $3,525.00 | +$600.00 | — | +$75.00 | +$675.00 | −$1,200.00 | $3,000.00 |
| May 2026 | $3,000.00 | +$600.00 | — | +$75.00 | +$675.00 | — | $3,675.00 |
| June 2026 | $3,675.00 | +$600.00 | — | +$75.00 | +$675.00 | — | $4,350.00 |
| July 2026 | $4,350.00 | +$600.00 | — | +$75.00 | +$675.00 | — | $5,025.00 |
| August 2026 | $5,025.00 | +$600.00 | — | +$75.00 | +$675.00 | — | $5,700.00 |
| September 2026 | $5,700.00 | +$600.00 | — | +$75.00 | +$675.00 | — | $6,375.00 |
| October 2026 | $6,375.00 | +$600.00 | — | +$75.00 | +$675.00 | −$6,000.00 | $1,050.00 |
| November 2026 | $1,050.00 | +$600.00 | — | +$75.00 | +$675.00 | — | $1,725.00 |
| December 2026 | $1,725.00 | +$600.00 | — | +$75.00 | +$675.00 | — | $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.