Escrow Calculator

If you double-click the Required Beg. Balance for Month or the Month Beg. Balance with Cushion values in the Escrow Account Balance pane on the Escrow Analysis tab, the Escrow Calculator window will appear. This window shows the projected escrow account cash flow for the year following the Effective Date shown on the Escrow Analysis Setup screen.

Field Name	Type	Description
Total Annual Liability	Read-Only	The total of all escrow liability the homeowner has for the escrow analysis period.
Month Liability	Read-Only	The Total Annual Liability divided by 12.
Allowable Annual Cushion	Read-Only	The amount you can have as a cushion in escrow for this homeowner for any liability changes that may occur over the next year. Keystone uses a two- month cushion for this amount, which is calculated as the Monthly Liability times two.
Affiliate Annual Cushion	Read-Only	Based on your affiliate's policy on escrow balance cushions, this is either equal to the Allowable Annual Cushion or some smaller amount if you set the % of Allowable Cushion to less than 100% on the Long Term Options tab in Escrow Analysis Setup.
Month	Read-Only	Each month of the escrow analysis period is listed here, starting with the beginning balance (Beg. Bal.) followed by the months in chronological order.
Pmt.	Read-Only	This payment value uses the Target Monthly Payment on the Escrow Analysis tab as the amount the homeowner will pay toward escrow each month for the coming year.
Dis.	Read-Only	This is the amount scheduled to be disbursed to an escrow payee(s) in a particular month. If you hover your cursor over a disbursement value, Keystone will show you what payees are included in the disbursement.
0 Bal.	Read-Only	This is the running escrow balance for each month, starting from a beginning balance of 0. Numbers in parentheses indicate negative balances.
Req. Bal.	Read-Only	This column shows both the beginning and the running balances needed so that the lowest balance during the entire escrow analysis period will not drop below 0.
Cush. Bal.	Read-Only	This column shows both the beginning and the running balances needed so that the lowest balance during the entire escrow analysis period will not drop below the Affiliate Annual Cushion amount. For the month in which the running balance reaches that amount, it is displayed in blue.