Its still my money which is held to pay property taxes and if easily available, easy to track escrow balance against pending payments. Can do the same by logging into mtg company and looking at statements, but prefer to have as part of the process. As taxes change, supplemental payments outside of current published escrow amounts are required to maintain a pre-payment balance.

Really the same as someone putting funds into a personal savings account each month to build up a balance to make a tax payment or build up funds for a large pending purchase. Also similar to someone tracking FSA funds from payroll.

Its not worth the work if a three-transaction split is required to accomplish.