# Escrow Cushion Limit Recheck

Recheck escrow cushions against the two-month limit they are meant to respect.

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

## Inputs
The monthly escrow amount and the cushion currently held.

## Workflow
1. Record the monthly escrow amount.
2. Compute the permitted cushion.
3. Compare the cushion held.
4. Return the recheck without escrow changes.

## Output contract
loan | monthly_escrow | cushion_months | allowed | verdict

## Fictional acceptance test
Fictional loan had a monthly escrow of 350 and a cushion of 900 held against a two-month limit of 700: 200 over the limit.

## 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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