Annual escrow account disclosure

Your escrow account is short.

Here's your statement for the past twelve months, and your new monthly payment.
Sample only

This is an internet document

This page imitates an escrow statement for comedic purposes. It is not a statement and is not related to any real account or loan. Fannie VRAM is a website and does not lend money.

Summary

What's changing

Each year we review your escrow account to make sure it holds enough to pay your electricity and thermal paste. This year it did not.

$61.47 Escrow shortage
$85.10 Current monthly payment
$103.87 New monthly payment
Account history

The past twelve months

Escrow activity Amount
Balance at closing $44.46
Deposits, 12 payments of $14.82 $177.84
Electricity, October to June -$118.40
Electricity, July Cyberpunk 2077, path tracing on, 23 hours a day. -$75.19
Electricity, August Same. -$75.19
Thermal paste Repaste, September. -$14.99
Escrow balance today -$61.47
Starting with your next payment

Your new monthly payment

Monthly payment Amount
Principal and interest Unchanged. $50.29
Electricity escrow Based on last year's actual usage. $22.40
Thermal paste reserve $2.00
Shortage and cushion, spread over 12 months The $61.47 shortage, plus the two-month cushion the law allows us to hold. Pay the shortage in full and your new payment is $98.75. $9.19
Connector fire insurance $19.99
New monthly payment $103.87