OpenChainGraph Suite · ART-342 · US Mortgage Servicing Compliance

RESPA Aggregate Escrow Analysis

12 CFR 1024.17 (Reg X) aggregate escrow accounting: builds a 12-month trial running balance from a starting balance, a monthly escrow deposit, and the projected annual disbursement schedule, compares the low point to the 1/6-of-annual-disbursements cushion target, and classifies the account as balanced, shortage, deficiency, or surplus with the applicable spread/refund remedy. Pairs with the HPML Escrow Test, which determines whether an escrow account was required to be established in the first place.

12 CFR 1024.17 Trial Running Balance 1/6 Cushion Shortage · Deficiency · Surplus
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Account & Payment
Escrow account balance at the start of the computation year.
Capped at 1/6 (≈16.67%) per §1024.17(c)(1)(iii). A lower value is permitted.
Projected Monthly Disbursements ($)
Property taxes, hazard/flood insurance, and other escrowed items due each month of the computation year.
Trial Running Balance
Analysis Detail
Execution Hash (SHA-256)







  

    
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Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `compute_escrow_analysis`. Task: 12 CFR 1024.17 (Reg X) aggregate escrow accounting method: builds a 12-month trial running balance from a starting balance, a monthly escrow deposit, and the projected annual disbursement schedule, compares the low point to the 1/6-of-annual-disbursements cushion target, and classifies the account as balanced, shortage, deficiency, or surplus with the corresponding spread/refund remedy.
Call it with arguments: {"policy_parameters":{"starting_balance":800,"monthly_escrow_payment":250,"disbursements":[0,0,600,0,0,1200,0,0,0,0,0,1200],"cushion_fraction":0.16666666666666666}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-342-compute-escrow-analysis.html#p=v1.H4sIAAAAAAAA_wGOAHH_eyJzdGFydGluZ19iYWxhbmNlIjo4MDAsIm1vbnRobHlfZXNjcm93X3BheW1lbnQiOjI1MCwiZGlzYnVyc2VtZW50cyI6WzAsMCw2MDAsMCwwLDEyMDAsMCwwLDAsMCwwLDEyMDBdLCJjdXNoaW9uX2ZyYWN0aW9uIjowLjE2NjY2NjY2NjY2NjY2NjY2fRxLKluOAAAA