Calculateur de Paiement de Séquestre — Formule
## How Escrow Accounts Work
Your lender collects a portion of property taxes and insurance each month and holds it in an escrow account, paying the bills when they come due.
### Monthly Escrow Calculation
**Monthly Escrow = (Annual Taxes + Annual Insurance + Annual PMI + Annual HOA) / 12**
### Escrow Cushion
Federal law (RESPA) allows lenders to maintain a cushion of up to 2 months of escrow payments to protect against increases.
### PITI Explained
- **P**: Principal
- **I**: Interest
- **T**: Taxes (escrowed)
- **I**: Insurance (escrowed)
Your total monthly housing cost (PITI) is what lenders use to calculate your debt-to-income ratio.
Your lender collects a portion of property taxes and insurance each month and holds it in an escrow account, paying the bills when they come due.
### Monthly Escrow Calculation
**Monthly Escrow = (Annual Taxes + Annual Insurance + Annual PMI + Annual HOA) / 12**
### Escrow Cushion
Federal law (RESPA) allows lenders to maintain a cushion of up to 2 months of escrow payments to protect against increases.
### PITI Explained
- **P**: Principal
- **I**: Interest
- **T**: Taxes (escrowed)
- **I**: Insurance (escrowed)
Your total monthly housing cost (PITI) is what lenders use to calculate your debt-to-income ratio.
Exemple Résolu
Annual taxes $4,800, insurance $1,800, no PMI or HOA. P&I payment is $2,100. Lender requires 2-month cushion.
- Monthly tax escrow: $4,800 / 12 = $400
- Monthly insurance escrow: $1,800 / 12 = $150
- Monthly escrow collection: $400 + $150 = $550
- Total PITI: $2,100 + $550 = $2,650
- Annual escrow disbursements: $4,800 + $1,800 = $6,600
- Required cushion: $550 x 2 = $1,100