Annual Escrow Statement Consistency Check

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Choose the annual analysis and supporting documents

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Statement facts

Confirm the annual history and analysis totals

Computation year endedAnnual statement dateBeginning escrow balanceTotal paid into escrowTotal paid out of escrowEnding/current balance at analysisUse a minus sign only if the current balance is negative.Target balance at analysisDo not substitute the future lowest balance unless the statement identifies it as the target at analysis.Escrow cushion / minimum balanceOptionalKept separate from the target balance; confirm the document labels it as a cushion or minimum-balance requirement.Escrow cushion periodmonthsOnly a statement-specific cushion is suggested. Generic rule explanations are ignored.Monthly escrow paymentStatement resultAmount shown for that resultOptionalPayment status at analysisHow the statement handles repayment

Completeness and urgent events

Includes past-year account history?Includes next-year projection?Explains shortage, deficiency, or surplus treatment?

Check anything happening now

A property-tax bill may be unpaidInsurance is canceled or about to lapseForce-placed insurance appearsA foreclosure or other legal notice is involved

Consumer action report

Information missing

This result describes what the entered information supports. It does not state that the servicer violated a law.

Information missing

computation-year end date
annual statement date
beginning escrow balance
total paid into escrow
total paid out of escrow
ending escrow balance
target balance at analysis
monthly escrow payment
past-year account history
next-year projection
shortage, deficiency, or surplus explanation
payment status at analysis
statement's shortage, deficiency, or surplus result

Focused next steps

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Automated educational review based on confirmed entries and selected documents. It is not legal advice, a complete compliance examination, or proof that a servicer violated the law.

What this review can and cannot establish

The checker can independently reconcile confirmed totals and compare selected facts with key federal escrow rules. It cannot determine all applicable contract, loan-program, state-law, bankruptcy, foreclosure, or evidentiary questions.

Check whether your annual escrow statement is internally consistent

Choose the annual analysis and supporting documents

Confirm the annual history and analysis totals

Information missing

Statement facts used

Information missing

Focused next steps

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What this review can and cannot establish

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