# Initial Escrow Deposit Recheck

Recheck the initial escrow deposit against the cushion the account needs.

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

## Inputs
The monthly tax and insurance amounts and the deposit collected at closing.

## Workflow
1. Record the monthly escrow amount.
2. Compute the allowed cushion.
3. Compare to the deposit collected.
4. Return the recheck without lender contact.

## Output contract
loan | monthly_escrow | cushion_months | expected_deposit | collected | difference

## Fictional acceptance test
Fictional loan carries tax of 210 and insurance of 90 a month, 300 monthly, so a 2-month cushion is 600; the closing statement collected 750: 150 over the expected deposit.

## 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/what-is-an-initial-escrow-deposit-en-160/

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