Que Es Escrow?
El fideicomiso (escrow) tiene dos significados en bienes raíces. Durante una compra, es una cuenta neutral de terceros que retiene fondos (como tu depósito de buena fe) hasta que se cierra la transacción. Después del cierre, tu cuenta de fideicomiso es administrada por tu prestamista para cobrar y pagar impuestos y seguro en tu nombre.
Datos Clave
- During the purchase, escrow protects both buyer and seller by holding funds neutrally.
- After closing, your monthly mortgage payment includes an escrow portion for taxes and insurance.
- Your lender reviews your escrow account annually and may adjust your payment if costs change.
- An escrow shortage or surplus can cause your monthly payment to go up or down.
Ejemplo Practico
Your monthly mortgage payment is $4,200. Of that, $3,400 goes to principal and interest, $620 goes to property taxes (held in escrow), and $180 goes to homeowners insurance (also held in escrow). Your lender pays those bills when they're due.
Por Que Importa
Escrow ensures your taxes and insurance are always paid on time — you don't have to manage large lump-sum payments yourself. But it also means your monthly payment can change if taxes or insurance costs go up, so don't assume your payment is permanently fixed.