Initial Escrow & Payment Calculator

Project the next 12 months of escrow activity and the figures needed for the Closing Disclosure. Uses RESPA aggregate accounting (Regulation X, 12 CFR § 1024.17).

Months of cushion RESPA caps the cushion at 2 months.

Total annual tax ($)

Total annual insurance ($)

Close date

First payment date

Taxes prepaid at closing

Monthly escrow payment

Initial escrow deposit

Cushion amount

Aggregate adjustment

Month	Escrow In	Tax Out	Insurance Out	Ending Balance

This tool is provided for informational purposes only and does not constitute financial, legal, or tax advice. All figures are estimates — verify them against your servicer's official escrow analysis before finalizing a Closing Disclosure. Pixel Servicing is not responsible for any errors, omissions, or decisions made based on the output of this tool.