bkova

bkova helps homeowners align escrow statement figures with cushion rules and shortage response options. You can record the current escrow balance, monthly deposit, and each tax or insurance bill by due month, set the cushion method printed on your analysis, and view the projected low balance, shortage or surplus, and ending balance over the months ahead. Compare lays out the same shortage as a lump-sum payment, a twelve-month spread on the mortgage, or paying the bills yourself when the loan allows it, with immediate and twelve-month cash impact shown for each path. A month chart shows when obligations leave escrow so due months stay easy to check against the forecast. The ledger keeps actual deposits, disbursements, and catch-up amounts separate from projections, so estimated shortages are never treated as posted debt. Once a response plan is saved, later changes to balances, deposits, or bills mark that plan outdated. Statement or receipt photos can be attached for reference.