yourhomecosts.com
AI that explains why your home costs went up and shows what you can do about it.
Upload an escrow analysis, insurance renewal, or tax bill. Or type the numbers. See which line changed, whether the cushion or shortage looks wrong, and what to do next.
- Uploads are not stored
- RESPA cushion and shortage checks
- Sources cited, last updated October 16, 2026
What you get back
A line-by-line change, a check against the federal escrow cushion and shortage rules, and a short list of things worth doing. Sample numbers stay labeled as a sample.
Sample, not your loan
Up $300 a month
- Taxes +$1,800 a year → $150
- Insurance +$1,200 a year → $100
- Shortage of $600 over 12 months → $50
Full payment calculator
Principal, interest, taxes, insurance, HOA, and PMI in one monthly number.
Am I overassessed?
Compare the assessment with sales and draft a letter. A $49 packet is on a waitlist, not for sale.
Escrow shortage, explained
Shortage, surplus, and deficiency are different results, with different collection rules.
Written so you can check the work
The cushion and shortage flags come from the figures you enter and from 12 CFR § 1024.17, not from a model’s guess. When a model is configured, it reads the document and rewrites the summary. The flags stay with the calculation. Nothing here is a filing, a coverage decision, or a promise that a servicer will agree.
Who writes this, and what we will not do
Educational information only. This is not financial, tax, legal, lending, insurance, or appraisal advice. Loan documents, state law, and your servicer or assessor control. Confirm every figure before you act.
A short note when the guides change
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