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{"sheet":"Calculator","index":0,"n_rows":56,"n_cols":15,"rows_kept":56,"cut":false,"hidden":false,"merged":[[28,13,28,14],[12,1,12,2],[14,1,14,2],[15,1,15,2],[16,1,16,2],[18,1,18,2],[19,1,19,2],[20,1,20,2],[21,1,21,2],[22,1,22,2],[23,1,23,2],[28,1,28,2],[23,3,23,4],[15,5,15,6],[14,8,14,11],[20,5,20,6],[21,5,21,6],[22,5,22,6],[22,3,22,4],[0,1,0,10],[1,1,1,10],[2,1,2,10],[6,1,6,3],[19,5,19,6],[8,5,11,6],[12,5,12,6],[13,5,13,6],[14,5,14,6],[12,9,12,11],[18,5,18,6],[4,1,4,11],[10,8,10,11],[11,8,11,11],[55,8,55,9],[13,1,13,2],[8,3,10,4],[12,3,12,4],[13,3,13,4],[14,3,14,4],[15,3,15,4],[16,3,16,4],[18,3,18,4],[19,3,19,4],[20,3,20,4],[23,5,23,6],[25,3,25,4],[25,5,25,6],[16,5,16,6],[21,3,21,4]]}
["Yes","PAYMENT CHANGE ESTIMATOR"]
["No","(PROVIDING AN ESTIMATE OF CORRECT ESCROW ADJUSTMENT IN A NOTICE OF MORTGAGE PAYMENT CHANGE)"]
[null,"USER SHOULD COMPLETE ALL SHADED BOXES"]
[null,null,null,null,null,"(Password=Escrow)"]
[]
["Notes",null,null,null,"Month","Year"]
[1,"Effective date of estimation",null,null,1,2018,{"$f":"DATE(F7,E7,1)","v":"2018-01-01"}]
[]
[null,null,null,"Complete this column if cure deposits into the escrow account are being credited as received by the lender",null,"Complete this column if the entire escrow cure amount has been funded into the escrow account by the lender"]
[]
[null,null,null,null,null,null,null,null,"Should a RESPA Reserve be Included?"]
[null,null,null,null,null,null,null,null,"Results of Analysis"]
[2,"Current monthly escrow deposit for taxes and insurance",null,0,null,0,null,{"$f":"IF(D13+F13-0.01>MAX(D13:G13),\"ERROR.  ONLY COMPLETE ONE COLUMN\",\" \")","v":" "},"Yes","(Select Yes or No from drop down list)"]
[3,"Current monthly shortfall payment",null,0,null,0,null,{"$f":"IF(D14+F14-0.01>MAX(D14:G14),\"ERROR.  ONLY COMPLETE ONE COLUMN\",\" \")","v":" "}]
[4,"Forecast monthly PMI",null,0,null,0,null," ","Results of Analysis"]
[5,"Forecast monthly Principal and interest",null,0,null,0,null," ","Required escrow funds as of ",null,{"$f":"+G7","v":"2018-01-01"},{"$f":"+M43","v":0}]
[null,"Total payment before escrow adjustment",null,{"$f":"+D16+D13+D15+D14","v":0},null,{"$f":"+F16+F13+F15+F14","v":0},null," ","Bankruptcy adjusted available funds",null,null,{"$f":"+D26+F26","v":0}]
[null,null,null,null,null,null,null," ","Shortfall (excess)",null,null,{"$f":"+L16-L17","v":0}]
[6,"Actual cash balance in escrow account on date of estimation:",null,0,null,0,null," ","Monthly base escrow deposit",null,null,{"$f":"+D38/12","v":0}]
[7,"Total escrow shortage and deficiency included in proof of claim",null,0,null,"n/a",null," ","Monthly shortfall escrow deposit",null,null,{"$f":"+L18/12","v":0}]
[8,"Total escrow deficiencies disbursed by trustee on proof of claim",null,0,null,"n/a",null," ","Total increase in escrow deposit",null,null,{"$f":"+L19+L20-D13-D14-F13-F14","v":0}]
[9,"Additional trustee forecast deposits prior to Effective Date of estimation",null,0,null,0,null," ","PMI",null,null,{"$f":"+D15+F15","v":0}]
[10,"Additional lender escrow disbursements forecast prior to Effective Date of estimation",null,0,null,0,null," ","New monthly total payment on mortgage",null,null,{"$f":"+L19+L20+L22+D16+F16","v":0}]
[11,"Prior period shortfall adjustments",null,0,null,0,null," "]
[]
[null,"Total funds available as Date of Estimate Funds",null,{"$f":"+D19+D20-D21+D22-D23+D24","v":0},null,{"$f":"+F19+F22-F23+F24","v":0},null," "]
[]
[]
[null,"Amount and dates of forecast tax and insurance escrow disbursements for 12 month period commencing with effective date",null,"Amount","Month","Year","Disbursment Month",null,"Month","Deposit Amount","Forecast Disbursement","60 Day Reserve","Required Date of Estimate Funds ","Test of Funds"]
[12,"Not applicable","(Select type of insurance or taxes from drop down list at left)",0,0,0,{"$f":"IF(E30=0,0,DATE(F30,E30,1))","v":"00:00:00"},{"$f":"IF(D30=0,\" \",IF(G30-G$7>366, \"ERROR.  DATE IS AFTER 12 MONTHS\",IF(G30-G$7<0, \"ERROR.  DATE IS BEFORE FORECAST PERIOD\",\" \")))","v":" "}]
[13,"Not applicable","(Select type of insurance or taxes from drop down list at left)",0,0,0,"00:00:00"," ",{"$f":"DATE($F$7,$E$7,1)","v":"2018-01-01"},{"$f":"+D38/12+D$15+F$15","v":0},{"$f":"IF(G$30=I31,D$30)+IF(G$31=I31,D$31,0)+IF(G$32=I31,D$32,0)+IF(G$35=I31,D$35,0)+IF(G$36=I31,D$36,0)+IF(G$37=I31,D$37,0)+IF(G$33=I31,D$33,0)+IF(G$34=I31,D$34,0)+D$15+F$15","v":0},{"$f":"IF(I13=\"NO\", 0, +D38/6)","v":0},{"$f":"(+J31-K31-L31-M30)*-1","v":0},{"$f":"IF(M31-0.01<D$26,\"\",\"FUNDS SHORTFALL\")","v":""},{"$f":"IF(+M31-D$26-0.01>0,+M31-D$26,\" \")","v":" "}]
[14,"Not applicable","(Select type of insurance or taxes from drop down list at left)",0,0,0,"00:00:00"," ",{"$f":"DATE($F$7,$E$7+1,1)","v":"2018-02-01"},{"$f":"+J31","v":0},{"$f":"IF(G$30=I32,D$30)+IF(G$31=I32,D$31,0)+IF(G$32=I32,D$32,0)+IF(G$35=I32,D$35,0)+IF(G$36=I32,D$36,0)+IF(G$37=I32,D$37,0)+IF(G$33=I32,D$33,0)+IF(G$34=I32,D$34,0)+D$15+F$15","v":0},null,{"$f":"(+J32-K32-L32-M31)*-1","v":0},""," "]
[15,"Not applicable","(Select type of insurance or taxes from drop down list at left)",0,0,0,{"$f":"IF(E33=0,0,DATE(F33,E33,1))","v":"00:00:00"}," ",{"$f":"DATE($F$7,$E$7+2,1)","v":"2018-03-01"},{"$f":"+J32","v":0},0,null,0,""," "]
[16,"Not applicable","(Select type of insurance or taxes from drop down list at left)",0,0,0,"00:00:00"," ",{"$f":"DATE($F$7,$E$7+3,1)","v":"2018-04-01"},0,0,null,0,""," "]
[17,"Not applicable","(Select type of insurance or taxes from drop down list at left)",0,0,0,"00:00:00"," ",{"$f":"DATE($F$7,$E$7+4,1)","v":"2018-05-01"},0,0,null,0,""," "]
[18,"Not applicable","(Select type of insurance or taxes from drop down list at left)",0,0,0,"00:00:00"," ",{"$f":"DATE($F$7,$E$7+5,1)","v":"2018-06-01"},0,0,null,0,""," "]
[19,"Not applicable","(Select type of insurance or taxes from drop down list at left)",0,0,0,"00:00:00"," ",{"$f":"DATE($F$7,$E$7+6,1)","v":"2018-07-01"},0,0,null,0,""," "]
[null,null,null,{"$f":"SUM(D30:D37)","v":0},null,null,null,null,{"$f":"DATE($F$7,$E$7+7,1)","v":"2018-08-01"},0,0,null,0,""," "]
[null,null,null,null,null,null,null,null,{"$f":"DATE($F$7,$E$7+8,1)","v":"2018-09-01"},0,0,null,0,""," "]
[null,null,null,null,null,null,null,null,{"$f":"DATE($F$7,$E$7+9,1)","v":"2018-10-01"},0,0,null,0,""," "]
[null,null,null,null,null,null,null,null,{"$f":"DATE($F$7,$E$7+10,1)","v":"2018-11-01"},0,0,null,0,"",{"$f":"IF(+M41-D$26-0.01>0,+M41-D$26,\" \")","v":" "}]
[null,null,null,null,null,null,null,null,{"$f":"DATE($F$7,$E$7+11,1)","v":"2018-12-01"},0,0,null,0,"",{"$f":"IF(+M42-D$26-0.01>0,+M42-D$26,\" \")","v":" "}]
[null," ",null,null,null,null,null,null,null,null,{"$f":"SUM(K31:K42)","v":0},"Maximum Initial Funds Required",{"$f":"MAX(M31:M42)","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null," "]
[null,null,null," "]

{"sheet":"Sheet1","index":1,"n_rows":12,"n_cols":1,"rows_kept":12,"cut":false,"hidden":true,"merged":[]}
["Not applicable"]
["Flood insurance"]
["Hazard insurance"]
["Umbrella insurance"]
["Other insurance"]
["Combined taxes"]
["City taxes"]
["County taxes"]
["MUD taxes"]
["School taxes"]
["Other taxes"]
["Other escrowed amount"]

{"sheet":"Instructions","index":2,"n_rows":22,"n_cols":2,"rows_kept":22,"cut":false,"hidden":false,"merged":[]}
["Note","Explanation"]
[]
[1,"This row includes the month and year of the date of the proposed escrow payment change.  See note 2."]
[{"$f":"+A3+1","v":2},"The current monthly escrow deposit should be the amount of the monthly escrow deposit as of the date that the estimate is prepared.  For example, if the analysis is prepared in October, 2018 to be effective in December, 2018, the entry in line 1 should be 12/2018 and the entry in line 2 should be the escrow deposit that was in effect on 10/2018"]
[{"$f":"+A4+1","v":3},"The current monthly shortfall payment is only applicable if the estimate is done in a year in which a shortfall is already being cured.  For example, if an estimate was done in October, 2017 for the year beginning December, 2017, the monthly installment of any shortfall payment imposed in October, 2017 would be inserted.  If there is no shortfall payment being made, the amount should be $0.00"]
[4,"This is the monthly private mortgage insurance payment as forecast on the Notice of Payment Change.  If there is no monthly private mortgage insurance payment, this amount should be $0.00"]
[5,"This is the amount of the monthly installment of principal and interest as forecast on the Notice of Payment Change."]
[6,"This is the cash balance in the escrow account as of the date of the estimation.  If this amount is not known, an estimate should be used."]
[7,"If a proof of claim has been filed, this is the amount of escrow deficiency and shortages included in the proof of claim.  If a proof of claim has not been filed, this estimator can be used to calculate the amount that should be included in the proof of claim.  The amount in this cell should initially be $0.00.  The analysis should be run two times.  On the second analysis, the only change should be in this cell.  This cell should have the amount shown in the \"Results of Analysis as the \"Shortfall\".  Once the \"Shortfall is included, the new analysis should reflect a monthly escrow deposit equal to one-twelfth of the taxes and insurance plus any PMI."]
[8,"This amount should be an estimate of the amount of the escrow deficiency that was contained in the proof of claim that has already been paid by the chapter 13 trustee."]
[9,"This amount should be an estimate of future disbursements to be made by the trustee between the date of the estimate and the effective date of the escrow payment change"]
[10,"This amount should be forecast  disbursements FROM the escrow account after the date of the estimate but before the effective date of the escrow payment change."]
[11,"This amount is similar to the amount in line 9.  This should include additional deposits to be made with the Trustee, but that will not have been disbursed by the Trustee prior to the effective date of the escrow payment change."]
[" 12-19","These are the regular forecast disbursements over the 12 month period following the escrow payment change date."]
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[" "]