California only FHA & conventional 90–100% LTV $350 one-time · no recurring fee
Supplemental Tax Solution
For California buyers who are required to impound through their servicer. Your escrow account was sized on the previous owner’s tax amount — so the supplemental bill isn’t in it. We budget purely for that bill and pay it when it arrives.
The situation
When you can’t waive the impound
On FHA and conventional loans at roughly 90–100% LTV, the borrower is generally required to impound taxes and insurance through the servicer. There is no escrow waiver to negotiate — the account is part of the loan.
In California that requirement collides with the state’s reassessment rules, which is why this product is California only.
Here’s the gap that creates. The servicer sets up that impound based on the previous owner’s tax amount, because at closing that’s the only figure on the tax roll. Once the county reassesses the property at your purchase price, it issues a supplemental tax bill for the difference — and that bill is not in the servicer’s escrow budget. It comes to you.
Our guide explains the whole mechanism: the California supplemental tax bill, explained.
Supplemental Tax Solution is built for exactly that gap. You keep the servicer’s escrow account for your regular taxes and insurance. You open an Easy Impound account that budgets for one thing only: your supplemental tax bill.
Who handles what
- Regular annual property taxesYour servicer
- Homeowners insurance premiumYour servicer
- Supplemental tax billEasy Impound
- Recurring subscription feeNone
- One-time technology fee$350
How it works
Four steps, one bill handled
1
Set up your servicer escrow
Your loan requires an impound through the servicer, sized on the previous owner’s tax amount. That stays exactly as it is.
2
Open your Easy Impound account
Pay a one-time $350 technology fee at sign-up. We size a budget targeted purely at your expected supplemental tax bill.
3
Upload your bill
When the county issues your supplemental tax bill, upload it to our system. Our document processing reads the amount and due date.
4
We pay it
We pay the supplemental bill directly to the county before the due date and send you the confirmation and receipt.
What it costs
One-time
$350
Technology fee at sign-up — no recurring fee
No monthly or annual subscription
You pay once at sign-up. There is nothing recurring for this product.
Supplemental bill intake & payment
Upload the bill; we validate it, budget for it and pay the county directly.
Due-date tracking
We watch the deadline so the bill is paid on time and no penalties accrue.
Itemized receipt
Confirmation and receipt for the payment, stored in your account.
Not required to impound? If your loan allows an escrow waiver, Reserve Eliminator Plus Supplemental covers your regular taxes, insurance and the supplemental bill — and eliminates the reserves at closing entirely.
Supplemental Tax Solution is available on California properties only. Supplemental assessments are a California mechanism, issued by the county assessor after a change of ownership. Amounts and timing vary by county, purchase price and closing date.
Other Easy Impound products
Nationwide
Reserve Eliminator
Replace the servicer’s escrow account. We collect monthly and pay your taxes and insurance.
CA purchase
Reserve Eliminator Plus Supplemental
Everything in Reserve Eliminator, plus we budget for and pay your supplemental tax bill.
Short term
Private Money Impound
Full Easy Impound coverage built for short-term private money loans and their lenders.
Your money is protected
All collected funds are held in FDIC-insured accounts through our banking partner and are used for one thing only: paying the property tax and insurance obligations you enroll. Every collection and disbursement is itemized in your dashboard.
FDIC-insured banking partner ACH protected by Plaid Bank-level encryption Itemized payment receipts
Ready to take your reserves back?
Set up an account in minutes. Enroll during your real estate transaction or any time after — there is no closing deadline.
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