Escrow jump calculator

See how a new tax bill and an escrow shortage change your monthly payment. Every box starts blank: copy the amounts from your mortgage statement, tax bill, insurance bill, and escrow statement. This site doesn’t supply any tax or insurance figures.

Estimate a new payment after a tax increase or shortage

Your current payment

Principal and interest per month From your mortgage statement.

Current escrow amounts arePick how you want to enter them. Monthly (from your mortgage statement)Annual (yearly bills)

Current monthly tax escrow optional Monthly amount. Leave blank if none.

Current monthly insurance escrow optional Monthly amount. Leave blank if none.

Other monthly amounts optional Such as mortgage insurance. Kept the same in both payments.

After the new tax bill

Expected new annual property tax bill From your tax bill or tax office. 0 is allowed.

New annual homeowner’s insurance optional Leave blank to keep the current insurance amount.

Escrow shortage (optional)

Your escrow statement shows any shortage. Regulation X: a shortage of one month’s escrow payment or more can only be spread over at least 12 months (or left alone); a smaller one may also be collected within 30 days.Source: 12 CFR 1024.17(f) and (i) (Regulation X: escrow shortages, deficiencies, surpluses, and annual escrow statements) · checked Nov 9, 2026

ShortageEnter it, or figure it from two balances on the statement. Enter the shortage amountFigure it from the escrow balances

Shortage amount optional From your escrow statement. Leave blank if none.

Months to spread the shortage optional Whole number. Leave blank to see only the one-payment option. Regulation X: spread over at least 12 months.

Compare paymentsClear

What this calculator does and doesn’t do

• New monthly escrow = (new annual tax + new annual insurance) ÷ 12, the one-twelfth rule in Regulation X. Any cushion the account is short shows up in the shortage on your statement, so no cushion is added here.Source: 12 CFR 1024.17 (Regulation X, escrow accounts) · checked Nov 10, 2026
• Spread option: shortage ÷ months, added to the new payment until the shortage is repaid. Each monthly amount is rounded to the cent.
• Uses only the numbers you enter. It doesn’t predict tax values, tax rates, or insurance premiums, and it doesn’t perform an escrow analysis.
• Runs entirely in your browser. Nothing you type is sent anywhere or saved.

For why this happens on new homes and the full Regulation X rules, see The new-build escrow jump.

Guidelines change; confirm with a licensed lender.