ForHosting KIT · Developer Utilities

Mortgage escrow monthly reserve calculator

Mortgage lenders often collect property tax and homeowners insurance through an escrow or impound account so annual bills are paid on time without a surprise lump sum for the borrower.

● BetaFree · in your browser

Run — free How it works & API

Use it from WebAPIEmailTelegramApp soon

The core math is simple but easy to get wrong when worksheets mix monthly and annual figures or when one premium is still a quote. This mortgage escrow monthly reserve calculator takes the annual property tax amount and the annual insurance premium, divides their sum by twelve, and returns the required monthly escrow reserve contribution together with the annual total and each monthly portion. Negative annual amounts are rejected with a clear invalid input error because a tax or premium cannot be less than zero for reserve planning. Zero is allowed when a component is not escrowed or not yet known. The same pure logic powers the free browser widget and the prepaid API path at $0.002 per successful item, so loan officers, fintech apps, and home-buyer tools never disagree on the monthly reserve figure.

How to use it

Enter your values in the form above. The tool checks them before calculating and shows the result on the same page.

Check your inputs

Use the labels and units shown next to each field. If something is missing or outside the allowed range, the page points to the field to fix.

Use it again or automate it

Use the browser tool for individual checks and the API when you need the same capability in an automated workflow.

What you can do with it

Get an answer now

Enter one set of values and see the result without building a spreadsheet or script.

Compare scenarios

Change one value at a time and rerun the calculation to understand what affects the result.

Automate repeated work

Use the API when the same calculation needs to run inside your product or workflow.

FAQ

How do I use this capability?

Complete the fields above and run it on this page. The form highlights anything that needs attention.

For developers — API access

Everything on this page is available programmatically. This section is for teams who want to wire it into their own systems; everyone else can just use the tool above.

API endpoint

POSThttps://api.kit.forhosting.com/realestate/escrow-monthly-reserve-calc

Prefer to automate it? One authenticated POST creates the task; the result comes back by webhook or a signed link. The same capability also runs here on the web, by email and from Telegram — and soon from our app too.

Call it from your stack

curl -X POST https://api.kit.forhosting.com/realestate/escrow-monthly-reserve-calc \
  -H "Authorization: Bearer $KIT_KEY" \
  -H "Content-Type: application/json" \
  -d '{"annual_property_tax":3600,"annual_insurance":1200}'

const res = await fetch("https://api.kit.forhosting.com/realestate/escrow-monthly-reserve-calc", {
  method: "POST",
  headers: {
    "Authorization": `Bearer ${process.env.KIT_KEY}`,
    "Content-Type": "application/json"
  },
  body: JSON.stringify({
    "annual_property_tax": 3600,
    "annual_insurance": 1200
  })
});
const { task_id } = await res.json();

import os, requests

res = requests.post(
    "https://api.kit.forhosting.com/realestate/escrow-monthly-reserve-calc",
    headers={"Authorization": f"Bearer {os.environ['KIT_KEY']}"},
    json={
    "annual_property_tax": 3600,
    "annual_insurance": 1200
},
)
task_id = res.json()["task_id"]

<?php
$res = file_get_contents("https://api.kit.forhosting.com/realestate/escrow-monthly-reserve-calc", false, stream_context_create([
  "http" => [
    "method"  => "POST",
    "header"  => "Authorization: Bearer " . getenv("KIT_KEY") . "\r\nContent-Type: application/json",
    "content" => '{"annual_property_tax":3600,"annual_insurance":1200}',
  ],
]));
$task = json_decode($res, true);

body := bytes.NewBufferString(`{"annual_property_tax":3600,"annual_insurance":1200}`)
req, _ := http.NewRequest("POST", "https://api.kit.forhosting.com/realestate/escrow-monthly-reserve-calc", body)
req.Header.Set("Authorization", "Bearer "+os.Getenv("KIT_KEY"))
req.Header.Set("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)

Example request

{
  "annual_property_tax": 3600,
  "annual_insurance": 1200
}

Example response

{
  "task_id": "tsk_a1b2c3d4e5f6a1b2c3d4e5f6",
  "type": "realestate.escrow_monthly_reserve_calc",
  "status": "queued",
  "_links": {
    "result": "/tasks/tsk_…/result"
  }
}

The API is asynchronous: the call returns a task_id immediately and the result arrives by webhook. Polling is capped at 1 req/s per task.

Pricing

Per request$0.002

Published price — no tokens, no invented credits. A failed task is never charged.

Errors

HTTP	Code	Meaning
`401`	`unauthorized`	Missing or invalid API key.
`402`	`insufficient_balance`	Your balance doesn't cover the task price.
`404`	`unknown_type`	That task type doesn't exist.
`429`	`rate_limited`	Too many requests. Use the webhook instead of polling.

Read the full KIT documentation →