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Loan payments, escrow and other monthly considerations

Question from a Customer:

“With regards to the loan amortization, does the loan calculation take into account an escrow account or is there a section to enter separate escrow account payments? Or is it easier to book the annual taxes and insurance separate letting the loan calculator calculate just the payment and loan balance?”


Thanks for your question. The amortization schedule on the RealData Calculator is designed to focus strictly on the loan itself, tracking the principal and interest portion of each payment, and the ongoing balance. It gives you the option of dealing with  lot of real-world loan scenarios, such as interest-rate changes, extra payment to principal, and skipped payments. The escrow account, however, is something that is separate from the loan, and we think it’s best not to let that obscure the tracking of the loan.

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