Loan Tax CalculatorEscrow Calculator
Calculate your estimated monthly escrow payment for property taxes, homeowners insurance, HOA fees, and PMI. Understand your complete monthly housing cost.
Estimated monthly escrow
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- Annual escrow total
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- Typical cushion (2 mo)
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- Property tax share
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Lenders review escrow annually and adjust for actual tax and insurance bills. Most require a cushion of up to two months of payments. Escrow is on top of principal and interest.
Read the assumptions
Results are planning estimates based on the formula shown below. They are not a quote, a loan approval, or tax advice.
Worked example
- Annual Property Tax
- $4,500
- Annual Insurance
- $1,800
- Annual HOA
- $1,200
- Annual PMI
- $2,000
- Total Annual Escrow
- $9,500
- Monthly Escrow
- $792
How it works
Monthly Escrow = (Annual Property Taxes + Annual Insurance + Annual HOA + Annual PMI) / 12. Lender estimates each component separately and deposits funds in escrow account, paying out annually or semi-annually. Escrow review conducted annually to adjust for changes.