Estimate worksheet · Free download
Known Bill vs Servicer Escrow Estimate Comparison Sheet
Compare a tax or insurance amount the servicer knew or could document with the amount used in the escrow analysis, while keeping unknown-charge estimation rules separate.
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Actual first-page previewKnown Bill vs Servicer Escrow Estimate Comparison Sheet
Before you fill it out
What this resource helps you document
Compare a tax or insurance amount the servicer knew or could document with the amount used in the escrow analysis, while keeping unknown-charge estimation rules separate.
01Charge status
02Known amount
03Escrow estimate
04Timing of knowledge
05Difference to explain
Federal baseline to check
Use the form with the rule, not instead of the rule.
These templates organize facts and records. They do not create a borrower right that the underlying regulation, loan terms, investor rules, or state law does not provide.
- If the servicer knows the charge for an escrow item in the next computation year, Regulation X requires it to use that amount in estimating the disbursement.
- If the charge is unknown, the servicer may generally use the preceding year's charge or that charge adjusted by no more than the most recent annual CPI change; unassessed new construction has a separate comparable-property method.
- A corrected official bill can therefore matter differently depending on whether it was available to the servicer when the analysis was performed.
Use this resource carefully
- Record the date the official bill became available and the date the servicer performed its analysis; timing is essential to evaluating whether the charge was 'known.'
- Use the exact same escrow item when comparing old and new amounts. Do not combine county, school, municipal, and supplemental taxes unless the servicer did so.
- If the servicer did not have the bill at analysis, document when you later supplied it and request the account's process for an updated/off-cycle analysis rather than assuming an immediate recalculation is required.
12 CFR § 1024.17(c)(7)CFPB Regulation X § 1024.17(c)(7) — Servicer estimates of escrow disbursementsOpen primary source ↗12 CFR § 1024.17CFPB Regulation X § 1024.17 — Escrow accountsOpen primary source ↗CFPB consumer guidanceHow to dispute an error or request mortgage informationOpen CFPB guidance ↗