{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/black-knight/main/json-schema/msp-escrow-schema.json",
  "title": "MSP Escrow Item",
  "description": "Escrow disbursement / collection item under the MSP escrow management APIs.",
  "type": "object",
  "required": ["loanNumber", "escrowType", "amount"],
  "properties": {
    "loanNumber": { "type": "string" },
    "escrowType": {
      "type": "string",
      "enum": ["Hazard Insurance", "Flood Insurance", "Property Tax", "MIP", "PMI", "HOA"],
      "description": "Escrow line-item category."
    },
    "amount": {
      "type": "number",
      "description": "Disbursement or collection amount in USD."
    },
    "disbursementDate": {
      "type": "string",
      "format": "date"
    },
    "payee": {
      "type": "string",
      "description": "Tax authority or insurance carrier name."
    },
    "cushion": {
      "type": "number",
      "description": "RESPA cushion in months."
    },
    "analysisDate": {
      "type": "string",
      "format": "date",
      "description": "Date of last escrow analysis."
    }
  }
}