Learning the basics of escrow with Chase
Taxes and insurance
See your escrow account
Understanding Escrow
If your annual escrow analysis resulted in a payment change, we're here to help.
Here's what you can expect:
- If you have a shortage, we'll automatically spread it out over the next 12 months, or you can pay all or part of it now.
- If you've been impacted by COVID-19 and need help with your payments, please go to chase.com/MortgageAssistance.
We’re here to help you understand escrow
Escrow Overview
- What is escrow?
- How do I manage my account?
Your Escrow Statement
- How do I read my statement?
- What are my options to balance my account?
Answers to your most common questions
What's an escrow account?
What's an escrow analysis?
What's an escrow shortage or surplus?
What is mortgage insurance?
Receiving your escrow analysis
This report details how much we’ll collect for taxes and insurance.
Every year, we review your escrow account to make sure we’re collecting the correct amount for your property taxes and homeowners insurance. This annual escrow analysis also tells you whether your account will have a shortage or surplus.
Here’s when we’ll send your escrow analysis based on the address where the property is located. It’s usually mailed the third week of the month.
States A-H
- Alabama — December
- Alaska — June
- Arizona — November
- Arkansas — October
- California — April
- Colorado — March
- Connecticut — August
- Delaware — October
- D.C. — September
- Florida — January
- Georgia — December
- Hawaii — August
States I-M
- Idaho — June
- Illinois — August
- Indiana — June
- Iowa — February
- Kansas — June
- Kentucky — June
- Louisiana — July
- Maine — September
- Maryland — December
- Massachusetts — May
- Michigan — August
- Minnesota — October
- Mississippi — June
- Missouri — January
- Montana — June
States N-P
- Nebraska — September
- Nevada — September
- New Hampshire — July
- New Jersey — October
- New Mexico — May
- New York — May
- North Carolina — March
- North Dakota — February
- Ohio — July
- Oklahoma — March
- Oregon — November
- Pennsylvania — September
- Puerto Rico — August
States R-W
- Rhode Island — July
- South Carolina — July
- South Dakota — November
- Tennessee — February
- Texas — February
- Utah — March
- Vermont — June
- Virginia — September
- Virgin Islands — August
- Washington — June
- West Virginia — September
- Wisconsin — March
- Wyoming — May