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An initial escrow deposit is the amount that you will pay at closing to start your escrow account, if required by your lender. This initial amount may be different from what you pay monthly to maintain the escrow account.
Calculating the Escrow Deposit Required at Closing. Add the annual taxes and insurance premiums and divide by 12. This is the amount that will be included in your mortgage payment and added to the escrow account every month. You can calculate the maximum initial deposit using a worksheet with 3 columns and 12 rows.