Calculadora de Pagamento em Custódia — Formula

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.

    Exemplo Resolvido

    Annual taxes $4,800, insurance $1,800, no PMI or HOA. P&I payment is $2,100. Lender requires 2-month cushion.

    1. Monthly tax escrow: $4,800 / 12 = $400
    2. Monthly insurance escrow: $1,800 / 12 = $150
    3. Monthly escrow collection: $400 + $150 = $550
    4. Total PITI: $2,100 + $550 = $2,650
    5. Annual escrow disbursements: $4,800 + $1,800 = $6,600
    6. Required cushion: $550 x 2 = $1,100