Minimum Required (Escrow) Balance

The minimum required balance is the lowest positive balance allowed in your escrow account at any given time—this positive balance is also known as a cushion requirement.

  • This helps us minimize the impact to your monthly mortgage payment when property tax and insurance rates increase.

We may require your escrow account to contain at least twice (2x) your monthly escrow contribution at all times, not including mortgage insurance, in accordance with state and federal law.

Example: If you’re currently required to put $500/month into escrow, your minimum required balance or escrow cushion could be $1,000.

Have more questions or need help?

Give us a call during business hours.

888-464-2432United Wholesale Mortgage Support Line
Monday - Thursday7am - 8pm CT
Friday7am - 7pm CT
Saturday8am - 12pm CT