They are unknown values. Somehow I have to solve for “T” without knowing columns H, I, or S. In other words, we many to to solve for H, I, or S first in order to calculate T. I think I am narrowing in on a solution on how it is calculated, but I still don’t know the formula for Airtable.
Here is how I believe it should work. I will use this one as an example:
A  Closing Date 
B  First Payment Date 
C  Winter Taxes 
D  Summer Taxes 
E  HOI 
F USDA Annual 
G  Monthly Escrow 
H  Aggregate 
I  Actual lnitial Deposit 
J  Winter Months 
K  Winter $ 
L  Summer Months 
M  Summer # 
N HOI Months 
O HOI $ 
P  USDA Months 
Q  USDA $ 
R  Totaled 
S  Agg Adjust 
T  Aggregate Calc 




















1/1/2021 
3/1/2021 
$104.07 
$247.46 
$86.59 

$438.12 
$1,248.03 
$1,655.16 
4 
$416.28 
9 
$2,227.14 
3 
$259.77 

$0.00 
2,903.19 
$1,248.03 
$1,655.16 








































First, I have to figure out the ‘Cushion’. That isn’t a column on the spreadsheet currently. The cushion is fairly easy to figure out though. It is simply “G” x 12 x 16.67% = $876.42. Once we know the cushion, here is the hard part. I have to add the cushion to the lowest balance in the escrow account during the 12 month period. I know how it is calculated now, but I don’t know who to structure the formula in Airtable.
In order to calculate what that lowest balance is, we need to know column A Closing Date, B  First Payment Date, G  Monthly Escrow, and a few other items that I will know (Summer tax due date/annual amount, winter tax due date/annual amount, and HOI due date/annual amount.
From there, I need to create a chart that shows the accruing balance in the escrow account. We start with the first payment month (In this example March) and add G  Monthly Escrow each month minus any expenses coming out of the account (summer/winter/HOI). Here is how it looks in excel:
March 

$438.12 
April 

$876.24 
May 

$1,314.36 
June 

$1,752.48 
July 
$2,969.52 
$778.92 
August 

$340.80 
September 

$97.32 
October 

$535.44 
November 

$973.56 
December 
$1,248.84 
$162.84 
January 
$1,039.08 
$438.12 
February 

$0.00 
The summer tax due date is always July. The winter tax due date is always December, and the HOI due date is always 1year away from the closing date month. As you can see from the above, the lowest balance in the account is 778.92. If I take the positive value of that figure (778.92) and add that to the Cushion of $876.42 above, we get $1655.16.
Not sure if I made this clear enough to follow. Even though I now understand the logic behind it, I have no idea how to get the formula to work in Airtable based on different closing/first payment dates.