OpenChainGraph Suite · ART-342 · US Mortgage Servicing Compliance

RESPA Aggregate Escrow Analysis

12 CFR 1024.17 (Reg X) aggregate escrow accounting: builds a 12-month trial running balance from a starting balance, a monthly escrow deposit, and the projected annual disbursement schedule, compares the low point to the 1/6-of-annual-disbursements cushion target, and classifies the account as balanced, shortage, deficiency, or surplus with the applicable spread/refund remedy. Pairs with the HPML Escrow Test, which determines whether an escrow account was required to be established in the first place.

12 CFR 1024.17 Trial Running Balance 1/6 Cushion Shortage · Deficiency · Surplus

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Account & Payment

Starting balance ($)

Escrow account balance at the start of the computation year.

Current monthly escrow payment ($)

Cushion (% of annual disbursements)

Capped at 1/6 (≈16.67%) per §1024.17(c)(1)(iii). A lower value is permitted.

Projected Monthly Disbursements ($)

Property taxes, hazard/flood insurance, and other escrowed items due each month of the computation year.

Trial Running Balance

Analysis Detail

Execution Hash (SHA-256)