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ESCROW AGREEMENT SALES11 Form

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I wanted to do a video on escrow accounts for property taxes and homeowners insurance and explain this in advance of closing to help clarify things first let's take homeowners insurance as you can see this form is a closing disclosure I'm focused on this is the second page under other costs category f for prepaids category G for the initial escrow payment looking at homeowners insurance on this particular closing they're taking 12 months under f for prepaids and then under G they're taking under 01 they're taking another three months for 15 months total that seems excessive here's where that 15 months comes from this particular closing is closing on June 21st 2023 so their homeowners insurance is going to roll over every June 21st your first payment on the mortgage in this instance won't be due until August 1st why because a mortgage is paid in arrears it's paid backwards so August 1 mortgage payment due date is actually f

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