Mortgage Escrow Shortage Calculator
Find your monthly escrow shortage repayment.
Enter your values
ⓘ Live results
Results
- Monthly shortage repayment
- $100.00
- New base monthly escrow
- $500.00
- Total new escrow portion of payment
- $600.00
- One-time payoff option
- $1,200.00
Quick answer
An escrow shortage is typically spread over the next 12 months and added to your regular mortgage payment.
Monthly shortage repayment = shortage / 12
How to use the Mortgage Escrow Shortage Calculator
- 1Enter the shortage amount from your escrow analysis statement.
- 2Enter the new annual escrow requirement for taxes and insurance.
- 3See the monthly increase, or pay the shortage in one lump sum to avoid it.
Worked example
Using the values the calculator loads with:
Inputs
- Escrow shortage amount1200 $
- New annual escrow requirement6000 $
- Repayment period12 months
Results
- Monthly shortage repayment$100.00
- New base monthly escrow$500.00
- Total new escrow portion of payment$600.00
- One-time payoff option$1,200.00
Frequently asked questions
Why did my escrow have a shortage?
Usually because property taxes or insurance premiums rose more than the prior year's estimate.
Can I pay the shortage in full?
Yes — most servicers let you pay it as a lump sum instead of spreading it over 12 months.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.