Escrow Analysis

An escrow analysis is an evaluation of a mortgagor’s escrow account. 

The analysis projects the next year’s deposits and disbursements to determine the monthly escrow deposit and if there is an overage or a shortage in the account. 

The analysis should be based on the last known tax and insurance amounts. 

In some cases, these amounts may be based on an estimated amount.  The borrower must agree to this when the loan closes.