A: Your mortgage documents allow us to maintain an escrow cushion equal to two escrow payments. This “cushion” is the minimum balance of the escrow account and acts like a savings account to help if your taxes or insurance increase.
https://www.forumcu.com/getmedia/526720d5-59f5-4985-93bc-72a7041f7ceb/Escrow-Analysis-Q-A.pdf