Independent, source-linked mortgage servicing researchRules reviewed August 2026
EscrowGuideMortgage payments, explained.
Check your payment →

Free homeowner tool

Escrow shortage calculator

Estimate why your escrow changed using prior and new tax and insurance bills, then compare spreading the shortage over 12 months with paying it upfront.

1Enter principal and interest separately from your current escrow payment.
2Enter the prior and new annual tax and insurance amounts. The tool can estimate a shortage from the bill increase, or you can switch to the official shortage from your escrow analysis.
3Compare the temporary shortage repayment with the new ongoing escrow amount, and confirm any lump-sum option with the servicer before sending money.
Important distinctionPaying a shortage in full can remove the shortage-repayment layer, but it does not erase a higher ongoing tax or insurance bill.
Live estimateRegulation X cross-check

Escrow shortage calculator

Trace the increase before you choose how to pay it.

Current payment$2,470/mo
1. Current paymentKeep principal & interest separate from escrow.
2. What changed?Use the prior and new annual bills from your tax and insurance records.
Shortage amount to use$1,440

Planning estimate from the increase in annual property-tax and homeowners-insurance bills: $1,440. Your servicer's actual shortage can differ because Regulation X analysis uses account balance, disbursement timing and any permitted cushion.

Annual tax + insurance change+$1,440
New ongoing escrow$670/mo
12-month catch-up$120/mo
Option A

Spread shortage over 12 months

$2,640/mo+$170 vs. current
New base escrow $670Shortage repayment $120Cash due now $0
Option B

Pay shortage in full now (if your servicer accepts it)

$2,520/mo+$50 vs. current
Shortage due now $1,440Ongoing escrow $67012-mo catch-up $0

Illustrative planning tool, not a reproduction of your servicer's aggregate escrow analysis. The auto-estimate uses the annual bill increase as a rough shortage proxy. Use the shortage on the official analysis when available. A lump-sum shortage payment is shown only as a comparison; confirm that your servicer accepts that option. Loan terms, account balance, disbursement timing and a permitted cushion can change the actual result.