An escrow or trust account holds other people’s money for a matter of days, in and out, in large amounts. The control that makes that safe is the three-way reconciliation: bank balance, book balance, and the sum of individual file ledgers all agreeing. Where that reconciliation is done monthly rather than daily, or where the file-level ledger does not exist at all, a shortage can sit undetected across dozens of closings.
We keep the escrow ledger reconciled and the records complete. Whether your reconciliation practice satisfies your state’s requirements and your underwriter’s is a determination for you, your attorney, and your regulator. We are a bookkeeping firm and not a licensed CPA firm; engagements that require a CPA licence are outside our scope.
Reconciled three ways
Bank, book, and the sum of file ledgers, all agreeing.
Ledger per file
Every dollar in escrow attributed to a matter.
Never commingled
Operating and escrow separate, each reconciled on its own.
Pass-through excluded
Recording fees and premiums kept off the revenue line.
What we handle
- Three-way reconciliation of escrow bank, book balance, and per-file ledgers
- Per-file trust ledgers so every dollar in the account is attributed to a matter
- Operating and escrow funds kept strictly separate, each reconciled on its own
- Recording fees, transfer tax, and premium remittances tracked as pass-through
- Underwriter remittance and retained premium split recorded as it is earned
Common problems we fix
- Escrow reconciled to the bank but never to the sum of the file ledgers
- Stale balances on closed files nobody has disbursed or escheated
- Pass-through collections run through income, inflating revenue several times over
- Operating shortfalls covered from escrow, which is the failure this all exists to prevent
Why your state matters here
Bookkeeping for title and escrow companies is not the same in every state. Sales tax rates and what is taxable, registration and licensing, payroll rules, and filing cadence all vary — and for this industry those differences change real work, not just a number on a form. Pick your state below for specifics.
We keep the books. You run the business.
Categorization, reconciliation, month-end close, and clean financial statements — with nothing left for you to chase.
View pricingHow It Works
Free review
We look at how your title and escrow companies books are set up today.
Fix the structure
Chart of accounts rebuilt around how your industry actually earns and spends.
Catch up
Anything behind gets cleaned up at a fixed quoted price.
Close monthly
Current, reconciled books every month — ready for your CPA.
Title & Escrow Companies Bookkeeping by State
Sales tax nexus and taxability, licensing, payroll rules, and filing cadence differ by state. Pick yours for a state-specific guide.
Title & Escrow Companies — Frequently Asked Questions
Do you understand title and escrow companies specifically?
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Do you work in my existing accounting file?
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Can you help if I am months behind?
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Bookkeeping built for title and escrow companies
Book a free consultation and we will tell you what your books need — and what it costs.
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