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# If my institution does not escrow property costs, what items must be entered for purposes of the Loan Estimate and Closing Disclosure?

Estimates for taxes, insurance, and assessments are to be included on the Loan Estimate and Closing Disclosure even if an escrow account will not be established under the terms of the legal obligation.

On the Calculations page, under the Property Costs section, select 'Escrow not applicable' from Escrow Account Type to define all property costs as Non-Escrowed. Enter the Description, Amount, and Frequency for the non-escrowed property cost. All items, with Non-Escrowed selected and an amount entered, will be totaled and a per payment amount will be calculated based on the Payment Frequency selected for the transaction. Select Override Calculated Non-Escrowed Payment to enter a payment amount that differs from the one calculated.

Entering non-escrowed costs impacts the Estimated Taxes, Insurance & Assessments section of the Loan Estimate and Closing Disclosure by including the per payment amount, ‘Property Taxes’, ‘Homeowner’s Insurance’ and ‘Other’ and printing ‘No’ in the ‘In escrow?’ column. The non-escrowed total is included in the Escrow Account section on page 4 of the Closing Disclosure.

When the Estimated Taxes, Insurance, & Assessments includes both escrowed and non-escrowed property costs, the 'In escrow?' column may print 'Yes', 'No' or 'Some'. For example, if you have both an escrowed County Property Tax and a non-escrowed City Property Tax item, the 'In escrow?' column will print 'Some' for the Property Taxes.