Escrow Analysis
Your lender's yearly review of your escrow account to adjust your payment for the next year's taxes and insurance.
In plain English
Once a year, your servicer reviews your escrow account to check whether enough was collected to cover your actual tax and insurance bills, then adjusts your monthly payment up or down accordingly for the coming year.
A payment increase after an escrow analysis usually isn't a lender error — it typically reflects real increases in your property taxes or insurance premium.
Where you'll run into it
Guides and tools on TheBuyingPath that cover escrow analysis in context.
Related terms
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