Escrow audit — MortgageLeak

Step 1 · Basics

Entry depth Quick — annual totals + the low point, surplus and shortage printed on the statement Full — the month-by-month bill schedule. We independently recompute your allowed balance (Appendix E). Finds hidden surpluses.

Servicer name

Last 4 digits of loan number (optional)

Property state

We only store the last 4 digits. The full loan number goes on the letter later, and stays in your browser.

Statement (analysis) date

Coming year starts

…and ends

The 12-month period the “projected” / “anticipated” table covers, e.g. Feb 2026 – Jan 2027.

Date of the previous year's escrow statement (optional) I didn't get one last year

Were all your payments in the last year received within 30 days of the due date?

A payment up to 30 days late still counts as “current” for escrow refunds.

Yes No Don't know

Is the loan in bankruptcy or foreclosure, or more than 30 days behind right now? Yes No Don't know

Did you sign an agreement to pay extra into escrow? Yes No Don't know

Does your mortgage document or state law set a lower cushion than two months?

Some mortgages and states limit the cushion to one month or zero. Look for “cushion” or “reserve” in your security instrument.

Yes No Don't know

Lower cushion limit in dollars

For “one month”, enter 1/12 of your yearly escrow bills.

Step 2 · Coming-year projection

From the statement's projection table: one line per bill, with the yearly total.

From the statement's projection table: each bill and every month it is paid. Month 1 is the first month of the coming year.

Projected yearly total: $0.00

Balances and payments printed on the statement

Projected / anticipated starting balance (optional)

The balance the servicer expects at the start of the coming year. Required in Full mode.

Required / target starting balance (optional)

If printed.

Low point / required minimum balance (optional)

Sometimes shown as “cushion”, “minimum balance” or “lowest projected balance”. Needed to check the cushion in Quick mode.

Current monthly escrow payment (optional)

The escrow part only, before this change.

New monthly escrow payment (optional)

The escrow part only.

Surplus shown (optional)

Shortage shown (optional)

How does the statement ask you to repay the shortage? Spread over monthly payments Pay in full (lump sum) No shortage / nothing required Don't know

Over how many months?

Pay by (optional)

Step 3 · Your actual bills

Servicers must use the real bill when it's known. Look up your county tax bill online and check your insurance declarations page. Leave blank if you don't have it.

Property tax for the coming year (total of all installments) (optional)

Homeowners insurance premium (current declarations page) (optional)

Flood insurance premium (optional)

Step 4 · Last year's history

From the statement's “account history” table: each payment out of escrow. You can skip this, but it's how we find late penalties and force-placed insurance. Don't type account or parcel numbers.

Surplus refund

Surplus refund check received (optional)

Enter 0 if none.

Date received (optional)