---
Date: 2026-05-20
Author: Pi Agent
Tags: [finances, mortgage, 220_emerald, debt]
---

# 220 Emerald Mortgage Snapshot

## Source
- Provided by Adolfo from lender portal on 2026-05-20.

## Current Loan Details
- Next Payment Amount: `$5,358.53`
- Next Payment Due Date: `06/01/2026`
- Original Principal Balance: `$646,000.00`
- Current Principal Balance: `$641,123.46`
- Origination Date: `08/06/2025`
- Loan Maturity Date: `09/01/2055`
- Original Term: `360 months`
- Remaining Term: `352 months`
- Prepayment Penalty: `No`
- Interest Only: `No`

## Notes
- Corrected by Adolfo on 2026-05-20 (supersedes earlier typo values).
- Keep this note as the source of truth for current mortgage numbers unless a newer lender statement is provided.

## Escrow Analysis — Effective 2026-10-01
- **Source:** Pennymac escrow-analysis email provided by Adolfo; analysis completed 2026-08-12. Original email/document path not supplied.
- **New monthly payment:** `$5,373.43`, beginning with the payment due 2026-10-01.
- **Current monthly payment:** `$5,358.53` (consistent with the prior lender snapshot).
- **Change:** `+$14.90/month`.
- **Principal & interest:** `$4,030.20` (unchanged in the notice).
- **Current escrow payment:** `$1,328.33`.
- **New escrow payment:** `$1,343.23` (`+$14.90/month`).
- **Escrow drivers:** Property taxes unchanged at `$639.25/month`; mortgage insurance unchanged at `$145.35/month`; hazard insurance increased from `$543.73` to `$558.63/month` (`+$14.90/month`). Reserve requirement and shortage amount remain `$0.00`.
- **Projected escrow surplus/refund:** `$536.36`, to be refunded by Pennymac to the bank account configured for eDisbursement.
- **Action/date:** Payments due before 2026-10-01 should use the current amount; use `$5,373.43` starting 2026-10-01. Monitor for the `$536.36` refund.

## Related
- [[Finances Index]]
- [[Areas]]
- [[Index]]