Why did my mortgage payment go up — and how much equity do I have?
EscrowCheckup breaks down payment changes, explains shortages in plain language, and helps you monitor your available home equity — all in one simple, secure dashboard.
Your Payment
Two parts working together
Your monthly mortgage payment isn't just one number. It's actually two parts working together.
Not sure where to start?
Choose the path that fits your situation
I Have an Escrow Account
Understand your escrow statement and what changed.
I Do Not Have Escrow
Track taxes, insurance, and due dates with simple tools.
I Want to Access My Home Equity
Estimate your available equity and compare HELOC options side-by-side with zero impact on credit.
I'm Renting (For Now)
Learn how mortgage payments work using your current rent as a starting point.
I'm a Professional
Connect your clients with clear, organized escrow information.
How It Works
Three simple steps to clarity on your escrow.
Sign in
Access your secure dashboard.
Upload your escrow statement
We extract only what's needed — taxes, insurance, and payment changes.
See your escrow clearly
Every number is sourced. Every change is explained.
Here's what you'll walk away with
A personalized report that explains your escrow in plain language — every number sourced from your documents or public records.
Sourced breakdown
See what was collected and where each value came from.
Year-over-year view
Compare this year's escrow activity to prior years.
Plain-language explanations
Every change is explained in clear terms.
Sound familiar?
These moments happen to homeowners every day. We're here to help.
New Homeowner Moment
You just bought your first home... and thought the hard part was over. Then your first escrow review arrives — and your payment jumps due to a missing exemption or unexpected tax increase.
Vacation Moment
You saved for a family vacation... then your mortgage payment jumps $180.
Budget Protection Moment
You're already juggling bills... and a missing refund throws everything off.
EscrowCheckup helps you understand what's happening — clearly and with sources.
Why your escrow keeps rising — the national trend
Up over 60%
2019 – 2024
Premiums rose more than 60% nationally over five years — outpacing general inflation by nearly double.
Source: Federal Reserve Bank of Dallas, April 2026
More than doubled
Since 2000
Total U.S. property tax revenue has more than doubled since 2000, driven by rising home values and reassessments.
Source: U.S. Census Bureau, Quarterly Summary of State & Local Tax Revenue
These aren't isolated spikes. They're long-running national trends — and they flow directly into your escrow account. When your servicer adjusts your monthly payment, it's because the underlying costs have changed. EscrowCheckup shows you exactly what changed, what was collected, and why your payment looks the way it does.
Free tools you can try right now
No account needed to look around.
Escrow Clarity Report
See a sample report before you sign up — taxes, insurance, shortages, and payment changes explained line by line.
View a sample reportHELOC Calculator
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Open HELOC calculatorFind out why your payment changed
Enter a few details you already know, or upload your escrow statement for a deeper, sourced breakdown. Free while we grow.