Which of the following is NOT allowed to be included in an escrow account?

An escrow account is designed to hold funds related to a real estate transaction until all conditions of the sale are met. This typically includes buyer deposits, funds from mortgage companies, and funds necessary for closing which might be provided by the seller. However, a licensee's personal funds should never be included in an escrow account because doing so can create potential conflicts of interest and violate the fiduciary duty owed to clients. It is crucial for real estate professionals to maintain a clear boundary between personal finances and client funds to ensure transparency and trust in the transaction process.

The other options reflect acceptable uses of escrow accounts. For instance, deposits from buyers are standard as they signify the buyer's serious intent to proceed with the purchase. Contributions from mortgage companies are also typical, as they represent funds aimed at completing the transaction. Lastly, funds from the seller may be included in certain situations, particularly when the seller is providing financing or covering closing costs. All these transactions are directly tied to the real estate deal, unlike a licensee's personal funds, which have no legitimate purpose in an escrow account.