# Escrow Cushion Limit Overcharge Check

Check the monthly escrow collection against the documented cushion limit before paying.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
Escrow analysis, tax and insurance totals and the cushion amount.

## Workflow
1. Record the annual tax and insurance totals.
2. Compute the permitted monthly collection including the cushion limit.
3. Compare it against the amount being collected.
4. Return the overcharge check without payment changes.

## Output contract
item | annual_total | monthly_share | cushion_limit | collected | over_limit

## Fictional acceptance test
Fictional taxes and insurance total 6,000 a year; the cushion limit is two months = 1,000, so the documented ceiling is 7,000 a year (583.33 a month). Collecting 600 a month implies 7,200 a year, 200 over the documented ceiling.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/is-there-a-limit-on-how-much-my-mortgage-lender-can-make-me-pay-each-month-for-insurance-and-taxes-the-escrow-en-200/

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