Mortgage Tool Kit

Account

Starting escrow balance

Current monthly escrow payment

Analysis starts in

Cushion (RESPA)

2 months

Federal law caps the cushion at 2 months of escrow payments.

Annual disbursements

ItemAnnual $Frequency1st mo.

Current payment$0

→

Recommended payment$0

$0/mo no change

New monthly payment

$0

escrow portion

Annual disbursed

$0

taxes, insurance & fees

Required cushion

$0

target low point

Shortage / surplus

$0

vs. required cushion

Projected running balance

BalanceCushion floor

Imported historical activity

Date	Description	Type	Amount	Balance

Month	Starting	Deposit	Disbursed	Ending
12-month total		$0	$0

How this works. The projection runs your account month by month at the base deposit (annual disbursements ÷ 12), finds the lowest point over the year, and compares it to the required cushion. A projected low point below the cushion is a shortage, spread over 12 months to catch up; above it is a surplus. Estimate for planning — your servicer's statement governs. Not financial advice.

Loan

Loan amount

Interest rate (APR)

%

Term (years) Extra / month

First payment Year

🔗 Escrow from the Analysis tab: $0/mo. Combined with principal & interest below to show your full monthly PITI.

Principal & interest

$0

per month

Full PITI payment

$0

P&I + escrow

Total interest

$0

over the loan

Payoff

—

Balance & cumulative interest

BalanceCumulative interest

Payment schedule

Year	Payment	Principal	Interest	Balance
Total	$0	$0	$0

Amortization. Each payment covers the month's interest first (balance × rate ÷ 12); the rest reduces principal. Any extra goes straight to principal, shortening the term and cutting total interest. PITI adds the recommended monthly escrow from the Analysis tab. Estimate only — excludes PMI and any lender fees.

Lookup

Reference date Lookback (days before reference)

days

Treasury tenor

Rule

The rate is taken N days before your reference date. If that day is a weekend or U.S. federal holiday, it rolls back to the previous business day — the standard ARM index lookback.

T-Note rate

—

as of —

Rate date

—

resolved business day

Reference − lookback

—

before adjustment

Rate history

10Y● resolved date

Full curve on rate date

Tenor	Rate

Recent business days

Date	10Y

Source: . Bundled data range . Constant-maturity yields; the value shown is the last published rate on or before the resolved business day. Reference only — not financial advice.

Import historical activity

Escrow statement