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Escrow Shortage

If the money in your escrow account is projected to be below your minimum balance at its lowest point in the 12-month period, you have a shortage. This can happen if the taxes or insurance premiums for the previous 12 months were more than expected. Or, if they're estimated to go up in the next 12 months.

You can make up a shortage in 1 of 2 ways:

  • Pay it in full. Send a check for the full shortage amount and we’ll put it in your escrow account. Instructions for sending your payment are included with your Escrow Review Statement.
  • Pay it over 12 months. We’ll add a portion of the shortage amount to your monthly payment.


Graph showing a shortage as any amount under the required minimum balance and an overage as any amount above the required minimum balance.