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An initial escrow deposit is the amount that you will pay at closing to start your escrow account, if required by your lender. This initial amount may be different from what you pay monthly to maintain the escrow account.
The earnest money check is usually the first item collected by escrow. When purchasing a home, a buyer must put money into escrow up front to bind the contract and subsequently to close it. Escrow is the period between the time a home enters into a purchase agreement and when the property title transfers to the new owner. Escrow collects an initial deposit known as good-faith earnest money, as well as subsequent payment for the home purchase.