Real ChatGPT answer · index seed1wyOIBqOEKgcompleteReal estate · selling a homeinformational

What happens to our escrow account balance for property taxes and insurance after our mortgage is fully paid off at closing?

ChatGPTgpt-61 query11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What happens to our escrow account balance for property taxes and insurance after our mortgage is fully paid off at closing?
1 real search · 1 real-search pass
CFPB mortgage payoff escrow account refund 20 business days after mortgage paid in fullGoogle ↗
OBSERVEDConsequence

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (1)
Short factOther / navigationalComparisonConsequence100%ReasonDefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT1 real searches · gpt-6
CFPB mortgage payoff escrow account refund 20 business days after mortgage paid in full Google ↗
  1. 12 CFR § 1024.34 · consumerfinance.gov

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
CFPB mortgage payoff escrow account refund 20 business days after mortgage paid in full
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1