Will my mortgage payment go up?
Enter your current escrow payment, property tax, and insurance to see whether you're headed for a shortage or a surplus at your next annual escrow analysis.
The tax + insurance portion of your payment, not including principal, interest, or PMI.
Shown for reference only. PMI isn't part of your escrow account.
How this works
Your escrow account only covers tax & insurance
Each month a portion of your payment is set aside to cover your property tax and homeowners insurance bills when they come due, separate from principal, interest, and PMI.
Servicers can hold up to a 2-month cushion
RESPA allows your servicer to keep a reserve of up to two months' worth of projected annual disbursements, so your balance is never expected to hit exactly zero.
The annual analysis true-ups the difference
Once a year your servicer compares what was collected to what was actually needed and adjusts your payment: a shortage raises it, a surplus over $50 gets refunded or credited.
Estimates only, not financial or legal advice. Verify with your lender.
Common questions
A fixed rate only locks your principal & interest. The escrow portion of your payment, property tax and homeowners insurance, is re-projected every year at your escrow analysis and adjusted up or down to match actual costs.
Just the tax-and-insurance portion of your payment: the amount your servicer deposits into your escrow account. Don't include principal, interest, or PMI; PMI is billed separately and isn't held in escrow.
RESPA (the Real Estate Settlement Procedures Act) permits servicers to hold a reserve of up to two months' worth of projected annual escrow payments as a cushion against surprises. This tool assumes the standard 2-month maximum.
Most servicers let you either pay the shortage as a one-time lump sum (keeping your ongoing payment lower) or spread it across the next 12 payments. Paying the lump sum is usually cheaper overall if you can afford it.
No. This calculation runs entirely in your browser and nothing is stored or transmitted unless you click through to create a free account.
Stop checking this by hand
Run your free mortgage health check once, and CasaCrow keeps watching — PMI eligibility, escrow drift, and today's rates — then tells you the day it's worth acting.