Escrow Shortage Calculator
Last updated: October 15, 2026
Estimate a mortgage escrow shortage or surplus and the adjusted monthly escrow deposit using editable tax, insurance and cushion assumptions.
Estimated escrow shortage or surplus
—
- Required annual disbursements: —
- Required cushion: —
- Projected balance before cushion: —
- Estimated new monthly escrow deposit: —
On this page
Quick summary: Estimate a mortgage escrow shortage or surplus and the adjusted monthly escrow deposit using editable tax, insurance and cushion assumptions.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate a mortgage escrow shortage or surplus and the adjusted monthly escrow deposit using editable tax, insurance and cushion assumptions.
How to use it
Enter Annual property tax ($); Annual homeowners insurance ($); Other annual escrow items ($); Current monthly escrow deposit ($); Current escrow balance ($); Required cushion (months). Select Calculate to update the results.
How the calculation works
The calculator projects one year of escrow deposits and disbursements, compares the resulting balance with the entered cushion, and spreads a positive shortage over 12 months.
Worked example: starting scenario
| Annual property tax ($) | 7200 |
|---|---|
| Annual homeowners insurance ($) | 2400 |
| Other annual escrow items ($) | 0 |
| Current monthly escrow deposit ($) | 700 |
| Current escrow balance ($) | 1000 |
| Required cushion (months) | 2 |
| Estimated escrow shortage or surplus | Shortage: $1,800.00 |
|---|---|
| Required annual disbursements | $9,600.00 |
| Required cushion | $1,600.00 |
| Projected balance before cushion | -$200.00 |
| Estimated new monthly escrow deposit | $950.00 |
Important limitations
Servicer escrow analyses use payment dates, account histories, legal cushion limits and shortage repayment options. This simplified estimate may differ from the official analysis.