Monthly Escrow Calculator
Use this free Monthly Escrow calculator to make better property management decisions. Enter your values below to get instant results.
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How to Use This Calculator
- 1 Enter annual property tax
- 2 Enter annual insurance
- 3 Add HOA/PMI if applicable
- 4 Divide by 12 for monthly
- 5 Add to P&I for total PITI
Example Calculation
$3,600 taxes, $1,800 insurance
Inputs:
- Taxes: $3,600/yr
- Insurance: $1,800/yr
Result:
Monthly escrow: $450
Important Considerations
- • New construction estimates until taxes stabilize
- • Tax exemption changes affect escrow
- • Insurance claims may raise premiums
Frequently Asked Questions
Required if LTV >80%, FHA/VA loan, or lender policy. With 20%+ down on conventional, often optional.
Tax reassessments, insurance changes, shortage adjustments. Lenders analyze annually and adjust payments.
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