<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019cfc99-6329-73ce-a05e-2f4eb17b53be,g:09be946b-db7b-473c-9ceb-59f89821a735-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item"/>
  <link:roleRef roleURI="http://www.essentgroup.com/role/CondensedConsolidatedBalanceSheetsUnaudited" xlink:type="simple" xlink:href="esnt-20260331.xsd#CondensedConsolidatedBalanceSheetsUnaudited"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CondensedConsolidatedBalanceSheetsUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cfc99-65c3-7791-8a3b-c89d58b6295c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019cfc99-65c3-7f75-a1c5-07c1e7b79982" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019cfc99-65c3-7791-8a3b-c89d58b6295c" xlink:to="loc_us-gaap_CommonStockValue_019cfc99-65c3-7f75-a1c5-07c1e7b79982" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalCommonStock_019cfc99-65c3-7faa-b57d-60019d0a3062" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapitalCommonStock"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019cfc99-65c3-7791-8a3b-c89d58b6295c" xlink:to="loc_us-gaap_AdditionalPaidInCapitalCommonStock_019cfc99-65c3-7faa-b57d-60019d0a3062" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019cfc99-65c3-7bec-8b38-dc135f1d302d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019cfc99-65c3-7791-8a3b-c89d58b6295c" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019cfc99-65c3-7bec-8b38-dc135f1d302d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019cfc99-65c3-739d-a848-bdbfe7e91778" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019cfc99-65c3-7791-8a3b-c89d58b6295c" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019cfc99-65c3-739d-a848-bdbfe7e91778" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_019cfc99-65c3-73da-9a00-31d63bee63a6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Investments"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019cfc99-65c3-75e8-ba48-af9c49db61b6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019cfc99-65c3-73da-9a00-31d63bee63a6" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019cfc99-65c3-75e8-ba48-af9c49db61b6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestments_019cfc99-65c3-7b10-aa30-57f7429fbda9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019cfc99-65c3-73da-9a00-31d63bee63a6" xlink:to="loc_us-gaap_EquityMethodInvestments_019cfc99-65c3-7b10-aa30-57f7429fbda9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019cfc99-65c3-7124-ae14-ffc27d32677b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_019cfc99-65c3-7d65-9486-8d7421aabb1d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cfc99-65c3-7124-ae14-ffc27d32677b" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_019cfc99-65c3-7d65-9486-8d7421aabb1d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnearnedPremiums_019cfc99-65c3-7da6-92a4-cde42f698775" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnearnedPremiums"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cfc99-65c3-7124-ae14-ffc27d32677b" xlink:to="loc_us-gaap_UnearnedPremiums_019cfc99-65c3-7da6-92a4-cde42f698775" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilitiesNet_019cfc99-65c3-7005-a69c-dbd6a9b42791" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxLiabilitiesNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cfc99-65c3-7124-ae14-ffc27d32677b" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilitiesNet_019cfc99-65c3-7005-a69c-dbd6a9b42791" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeniorNotes_019cfc99-65c3-7f5d-9b8a-2ce147b97352" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeniorNotes"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cfc99-65c3-7124-ae14-ffc27d32677b" xlink:to="loc_us-gaap_SeniorNotes_019cfc99-65c3-7f5d-9b8a-2ce147b97352" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_019cfc99-65c3-79bf-8109-9ecaf1d8382f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cfc99-65c3-7124-ae14-ffc27d32677b" xlink:to="loc_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_019cfc99-65c3-79bf-8109-9ecaf1d8382f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019cfc99-65c3-764b-8197-c718c252ce70" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_019cfc99-65c3-7b70-87b7-1db7795cfbf5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Investments"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cfc99-65c3-764b-8197-c718c252ce70" xlink:to="loc_us-gaap_Investments_019cfc99-65c3-7b70-87b7-1db7795cfbf5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Cash_019cfc99-65c3-7ce8-830c-661d0ab1b827" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Cash"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cfc99-65c3-764b-8197-c718c252ce70" xlink:to="loc_us-gaap_Cash_019cfc99-65c3-7ce8-830c-661d0ab1b827" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedInvestmentIncomeReceivable_019cfc99-65c3-7bea-9c42-62cc5d5565f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccruedInvestmentIncomeReceivable"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cfc99-65c3-764b-8197-c718c252ce70" xlink:to="loc_us-gaap_AccruedInvestmentIncomeReceivable_019cfc99-65c3-7bea-9c42-62cc5d5565f5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_019cfc99-65c3-7ce5-821b-ae62f236033b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotesReceivableNet"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cfc99-65c3-764b-8197-c718c252ce70" xlink:to="loc_us-gaap_NotesReceivableNet_019cfc99-65c3-7ce5-821b-ae62f236033b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCosts_019cfc99-65c3-77e5-b14c-62693fc7df99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredPolicyAcquisitionCosts"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cfc99-65c3-764b-8197-c718c252ce70" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCosts_019cfc99-65c3-77e5-b14c-62693fc7df99" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_019cfc99-65c3-7508-9d97-e962fa9ed02f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cfc99-65c3-764b-8197-c718c252ce70" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_019cfc99-65c3-7508-9d97-e962fa9ed02f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds_019cfc99-65c3-719f-b065-969e2237d7c3" xlink:href="esnt-20260331.xsd#esnt_MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cfc99-65c3-764b-8197-c718c252ce70" xlink:to="loc_esnt_MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds_019cfc99-65c3-719f-b065-969e2237d7c3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_019cfc99-65c3-7a0a-b7b3-213438b73674" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cfc99-65c3-764b-8197-c718c252ce70" xlink:to="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_019cfc99-65c3-7a0a-b7b3-213438b73674" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019cfc99-65c3-7263-ae19-2a746731143f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cfc99-65c3-764b-8197-c718c252ce70" xlink:to="loc_us-gaap_OtherAssets_019cfc99-65c3-7263-ae19-2a746731143f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cfc99-65c3-79a4-a548-abdb93fd1120" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019cfc99-65c3-71cc-a1a8-0e384c45487d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cfc99-65c3-79a4-a548-abdb93fd1120" xlink:to="loc_us-gaap_Liabilities_019cfc99-65c3-71cc-a1a8-0e384c45487d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_019cfc99-65c3-7fd7-abd4-6ce222ba9b4b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cfc99-65c3-79a4-a548-abdb93fd1120" xlink:to="loc_us-gaap_CommitmentsAndContingencies_019cfc99-65c3-7fd7-abd4-6ce222ba9b4b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cfc99-65c3-7181-988c-958860afec84" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cfc99-65c3-79a4-a548-abdb93fd1120" xlink:to="loc_us-gaap_StockholdersEquity_019cfc99-65c3-7181-988c-958860afec84" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/CondensedConsolidatedStatementsofComprehensiveIncomeUnaudited" xlink:type="simple" xlink:href="esnt-20260331.xsd#CondensedConsolidatedStatementsofComprehensiveIncomeUnaudited"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CondensedConsolidatedStatementsofComprehensiveIncomeUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019cfc99-65c3-7c48-9fd5-b2665601f809" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cfc99-65c3-7bd4-a1b9-99626bc26a72" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019cfc99-65c3-7c48-9fd5-b2665601f809" xlink:to="loc_us-gaap_NetIncomeLoss_019cfc99-65c3-7bd4-a1b9-99626bc26a72" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cfc99-65c3-73ce-9dd0-3a2941126922" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019cfc99-65c3-7c48-9fd5-b2665601f809" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cfc99-65c3-73ce-9dd0-3a2941126922" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cfc99-65c3-7389-a7ed-928a46113458" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_019cfc99-65c3-7d70-acee-144ef2a65769" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cfc99-65c3-7389-a7ed-928a46113458" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_019cfc99-65c3-7d70-acee-144ef2a65769" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_019cfc99-65c3-7286-abd6-62b01b3c60f6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019cfc99-65c3-77b7-a592-a5fc80daa7ec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019cfc99-65c3-7286-abd6-62b01b3c60f6" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019cfc99-65c3-77b7-a592-a5fc80daa7ec" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_OtherUnderwritingAndOperatingExpenses_019cfc99-65c3-72ca-ab40-2743df949927" xlink:href="esnt-20260331.xsd#esnt_OtherUnderwritingAndOperatingExpenses"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019cfc99-65c3-7286-abd6-62b01b3c60f6" xlink:to="loc_esnt_OtherUnderwritingAndOperatingExpenses_019cfc99-65c3-72ca-ab40-2743df949927" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_019cfc99-65c3-727c-867b-9f99fa3f28aa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019cfc99-65c3-7286-abd6-62b01b3c60f6" xlink:to="loc_us-gaap_InterestExpense_019cfc99-65c3-727c-867b-9f99fa3f28aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cfc99-65c3-7cbf-a378-bb4f0290676f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019cfc99-65c3-7d63-ad9a-837536ff88f9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cfc99-65c3-7cbf-a378-bb4f0290676f" xlink:to="loc_us-gaap_Revenues_019cfc99-65c3-7d63-ad9a-837536ff88f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_019cfc99-65c3-737f-b94a-76e1044615d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cfc99-65c3-7cbf-a378-bb4f0290676f" xlink:to="loc_us-gaap_BenefitsLossesAndExpenses_019cfc99-65c3-737f-b94a-76e1044615d9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019cfc99-65c3-752a-abc0-c97682cc53bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_019cfc99-65c3-79ca-be3a-d6c2ef996fd5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019cfc99-65c3-752a-abc0-c97682cc53bd" xlink:to="loc_us-gaap_PremiumsEarnedNet_019cfc99-65c3-79ca-be3a-d6c2ef996fd5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_019cfc99-65c3-794a-b250-8dd2b5d14e25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetInvestmentIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019cfc99-65c3-752a-abc0-c97682cc53bd" xlink:to="loc_us-gaap_NetInvestmentIncome_019cfc99-65c3-794a-b250-8dd2b5d14e25" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_019cfc99-65c3-7bc1-8334-23063dce3c71" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019cfc99-65c3-752a-abc0-c97682cc53bd" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_019cfc99-65c3-7bc1-8334-23063dce3c71" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_019cfc99-65c3-78ff-95f0-561e5fdd0982" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019cfc99-65c3-752a-abc0-c97682cc53bd" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_019cfc99-65c3-78ff-95f0-561e5fdd0982" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncome_019cfc99-65c3-7c42-92e0-b42d1841fd7c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherIncome"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019cfc99-65c3-752a-abc0-c97682cc53bd" xlink:to="loc_us-gaap_OtherIncome_019cfc99-65c3-7c42-92e0-b42d1841fd7c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cfc99-65c3-7d27-bf5b-c1dec157de08" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cfc99-65c3-72ab-9f90-4deeb7bc4d0d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019cfc99-65c3-7d27-bf5b-c1dec157de08" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cfc99-65c3-72ab-9f90-4deeb7bc4d0d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019cfc99-65c3-7e34-863b-fe4ac12e07e0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019cfc99-65c3-7d27-bf5b-c1dec157de08" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019cfc99-65c3-7e34-863b-fe4ac12e07e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_019cfc99-65c3-7f64-9846-ba28514120fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsWrittenNet_019cfc99-65c3-7871-96f4-fc7e615dbb47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsWrittenNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_019cfc99-65c3-7f64-9846-ba28514120fc" xlink:to="loc_us-gaap_PremiumsWrittenNet_019cfc99-65c3-7871-96f4-fc7e615dbb47" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInUnearnedPremiumsNet_019cfc99-65c3-7e8a-9be4-eb757379ae34" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiumsNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_019cfc99-65c3-7f64-9846-ba28514120fc" xlink:to="loc_us-gaap_IncreaseDecreaseInUnearnedPremiumsNet_019cfc99-65c3-7e8a-9be4-eb757379ae34" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/CondensedConsolidatedStatementsofCashFlowsUnaudited" xlink:type="simple" xlink:href="esnt-20260331.xsd#CondensedConsolidatedStatementsofCashFlowsUnaudited"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CondensedConsolidatedStatementsofCashFlowsUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cfc99-65c3-797c-9375-91252141753b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7bcc-97e4-d7f72f5cf041" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cfc99-65c3-797c-9375-91252141753b" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7bcc-97e4-d7f72f5cf041" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cfc99-65c3-790f-8398-5e589d5d01e9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cfc99-65c3-797c-9375-91252141753b" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cfc99-65c3-790f-8398-5e589d5d01e9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cfc99-65c3-74f0-839e-d2b2136929cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cfc99-65c3-797c-9375-91252141753b" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cfc99-65c3-74f0-839e-d2b2136929cd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cfc99-65c3-74ab-acc0-fa1d373edfa5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_019cfc99-65c3-78a1-b06a-a15a04f37f3b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForProceedsFromShortTermInvestments"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cfc99-65c3-74ab-acc0-fa1d373edfa5" xlink:to="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_019cfc99-65c3-78a1-b06a-a15a04f37f3b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019cfc99-65c3-7a53-8f69-db88d403f7fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cfc99-65c3-74ab-acc0-fa1d373edfa5" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019cfc99-65c3-7a53-8f69-db88d403f7fa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019cfc99-65c3-73aa-abc7-927487a4116b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cfc99-65c3-74ab-acc0-fa1d373edfa5" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019cfc99-65c3-73aa-abc7-927487a4116b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019cfc99-65c3-7ea0-8d12-4c8f61d92c29" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cfc99-65c3-74ab-acc0-fa1d373edfa5" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019cfc99-65c3-7ea0-8d12-4c8f61d92c29" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_019cfc99-65c3-7a2a-9b90-4307e8c5eb8b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireEquityMethodInvestments"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cfc99-65c3-74ab-acc0-fa1d373edfa5" xlink:to="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_019cfc99-65c3-7a2a-9b90-4307e8c5eb8b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_019cfc99-65c3-74ff-8237-6931fe726757" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cfc99-65c3-74ab-acc0-fa1d373edfa5" xlink:to="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_019cfc99-65c3-74ff-8237-6931fe726757" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019cfc99-65c3-72b0-9edd-d728539ebc7f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cfc99-65c3-74ab-acc0-fa1d373edfa5" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019cfc99-65c3-72b0-9edd-d728539ebc7f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cfc99-65c3-76fb-9d08-4a9c88224249" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019cfc99-65c3-7c41-9b8e-cbc68caf7988" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cfc99-65c3-76fb-9d08-4a9c88224249" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019cfc99-65c3-7c41-9b8e-cbc68caf7988" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_019cfc99-65c3-748f-b366-02419f0bbe05" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cfc99-65c3-76fb-9d08-4a9c88224249" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_019cfc99-65c3-748f-b366-02419f0bbe05" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cfc99-65c3-7813-ace6-70d2fd4b4f79" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_NetIncomeLoss_019cfc99-65c3-7813-ace6-70d2fd4b4f79" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_019cfc99-65c3-7fd6-bdd2-6295aeba57c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_019cfc99-65c3-7fd6-bdd2-6295aeba57c7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_019cfc99-65c3-7a71-b86b-6479665aefba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_019cfc99-65c3-7a71-b86b-6479665aefba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestmentDividendsOrDistributions_019cfc99-65c3-7613-afd1-92225c1f9521" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestmentDividendsOrDistributions"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_EquityMethodInvestmentDividendsOrDistributions_019cfc99-65c3-7613-afd1-92225c1f9521" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_019cfc99-65c3-7672-b2c7-d7c3acac1ae6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_019cfc99-65c3-7672-b2c7-d7c3acac1ae6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_019cfc99-65c3-7b02-b734-841e9b40e97e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_ShareBasedCompensation_019cfc99-65c3-7b02-b734-841e9b40e97e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeAmortizationOfPremium_019cfc99-65c3-78c2-b7c1-2d6759ce1838" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentIncomeAmortizationOfPremium"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_InvestmentIncomeAmortizationOfPremium_019cfc99-65c3-78c2-b7c1-2d6759ce1838" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019cfc99-65c3-7c17-b180-878df2e5ccfd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019cfc99-65c3-7c17-b180-878df2e5ccfd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_019cfc99-65c3-786b-853d-88c7b55c81c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_019cfc99-65c3-786b-853d-88c7b55c81c4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019cfc99-65c3-7211-a349-13a09b49f84a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019cfc99-65c3-7211-a349-13a09b49f84a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_019cfc99-65c3-7b41-b962-cad2ae7ce95b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_019cfc99-65c3-7b41-b962-cad2ae7ce95b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019cfc99-65c3-755a-9291-f3b30c68689e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019cfc99-65c3-755a-9291-f3b30c68689e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve_019cfc99-65c3-7955-b07e-bb1c3d8e3ced" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve_019cfc99-65c3-7955-b07e-bb1c3d8e3ced" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInUnearnedPremiums_019cfc99-65c3-72f6-bf65-ef5634cc4b15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiums"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_IncreaseDecreaseInUnearnedPremiums_019cfc99-65c3-72f6-bf65-ef5634cc4b15" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_019cfc99-65c3-7726-a8c1-dae042691d88" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilities"/>
    <link:calculationArc order="15" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_019cfc99-65c3-7726-a8c1-dae042691d88" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds_019cfc99-65c3-753a-b720-1b80e8647653" xlink:href="esnt-20260331.xsd#esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds"/>
    <link:calculationArc order="16" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cfc99-65c3-7816-b19d-99a22ba83320" xlink:to="loc_esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds_019cfc99-65c3-753a-b720-1b80e8647653" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsScheduleofAvailableforSaleDetails" xlink:type="simple" xlink:href="esnt-20260331.xsd#InvestmentsScheduleofAvailableforSaleDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsScheduleofAvailableforSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019cfc99-65c3-7dd8-82a6-e0343cd1fe84" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019cfc99-65c3-7ded-83d0-bb1c02beb7e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019cfc99-65c3-7dd8-82a6-e0343cd1fe84" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019cfc99-65c3-7ded-83d0-bb1c02beb7e2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019cfc99-65c3-744e-b416-150f71a1072e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019cfc99-65c3-7dd8-82a6-e0343cd1fe84" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019cfc99-65c3-744e-b416-150f71a1072e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesTradingAndAvailableForSale_019cfc99-65c3-73c1-8c02-e6d390d6ca47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesTradingAndAvailableForSale"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019cfc99-65c3-7dd8-82a6-e0343cd1fe84" xlink:to="loc_us-gaap_DebtSecuritiesTradingAndAvailableForSale_019cfc99-65c3-73c1-8c02-e6d390d6ca47" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsScheduleofAvailableForSaleMaturityDetails" xlink:type="simple" xlink:href="esnt-20260331.xsd#InvestmentsScheduleofAvailableForSaleMaturityDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsScheduleofAvailableForSaleMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_019cfc99-65c3-7436-a380-8905742e30d0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_019cfc99-65c3-71e2-b4f4-deb7175dcc32" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_019cfc99-65c3-7436-a380-8905742e30d0" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_019cfc99-65c3-71e2-b4f4-deb7175dcc32" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_019cfc99-65c3-72ae-a600-552fec65bd95" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_019cfc99-65c3-7436-a380-8905742e30d0" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_019cfc99-65c3-72ae-a600-552fec65bd95" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_019cfc99-65c3-79af-8555-19cd2f8fe885" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_019cfc99-65c3-7436-a380-8905742e30d0" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_019cfc99-65c3-79af-8555-19cd2f8fe885" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_019cfc99-65c3-79ae-a947-54ef9c564e97" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_019cfc99-65c3-7436-a380-8905742e30d0" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_019cfc99-65c3-79ae-a947-54ef9c564e97" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_019cfc99-65c3-73e2-8abf-3c8acbf87fc4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_019cfc99-65c3-7262-bcfe-8b82c2a873f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_019cfc99-65c3-73e2-8abf-3c8acbf87fc4" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_019cfc99-65c3-7262-bcfe-8b82c2a873f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_019cfc99-65c3-7729-b254-420b7fac8357" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_019cfc99-65c3-73e2-8abf-3c8acbf87fc4" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_019cfc99-65c3-7729-b254-420b7fac8357" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_019cfc99-65c3-76f5-a4d6-aea491781455" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_019cfc99-65c3-73e2-8abf-3c8acbf87fc4" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_019cfc99-65c3-76f5-a4d6-aea491781455" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_019cfc99-65c3-7d0e-8a59-01f3de80f2cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_019cfc99-65c3-73e2-8abf-3c8acbf87fc4" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_019cfc99-65c3-7d0e-8a59-01f3de80f2cf" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsScheduleofRealizedGainandLossandInvestmentsinUnrealizedLossPositionDetails" xlink:type="simple" xlink:href="esnt-20260331.xsd#InvestmentsScheduleofRealizedGainandLossandInvestmentsinUnrealizedLossPositionDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsScheduleofRealizedGainandLossandInvestmentsinUnrealizedLossPositionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019cfc99-65c3-785b-a1b8-c953ae0dfeff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019cfc99-65c3-7bb2-b7d0-251dbd1b9491" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019cfc99-65c3-785b-a1b8-c953ae0dfeff" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019cfc99-65c3-7bb2-b7d0-251dbd1b9491" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019cfc99-65c3-7421-97ec-b20bf2a2994d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019cfc99-65c3-785b-a1b8-c953ae0dfeff" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019cfc99-65c3-7421-97ec-b20bf2a2994d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019cfc99-65c3-7ba5-942e-53c80745b14c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019cfc99-65c3-7ece-b8f1-f02deb001376" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019cfc99-65c3-7ba5-942e-53c80745b14c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019cfc99-65c3-7ece-b8f1-f02deb001376" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019cfc99-65c3-730e-ba9e-54111bd030bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019cfc99-65c3-7ba5-942e-53c80745b14c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019cfc99-65c3-730e-ba9e-54111bd030bb" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsScheduleofNetInvestmentIncomeDetails" xlink:type="simple" xlink:href="esnt-20260331.xsd#InvestmentsScheduleofNetInvestmentIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsScheduleofNetInvestmentIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_019cfc99-65c3-7857-9306-04ffed1274de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetInvestmentIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossInvestmentIncomeOperating_019cfc99-65c3-73be-9417-6bf3d4be0fba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GrossInvestmentIncomeOperating"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetInvestmentIncome_019cfc99-65c3-7857-9306-04ffed1274de" xlink:to="loc_us-gaap_GrossInvestmentIncomeOperating_019cfc99-65c3-73be-9417-6bf3d4be0fba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInvestmentExpense_019cfc99-65c3-7eac-bfe8-4e743b209412" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentIncomeInvestmentExpense"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetInvestmentIncome_019cfc99-65c3-7857-9306-04ffed1274de" xlink:to="loc_us-gaap_InvestmentIncomeInvestmentExpense_019cfc99-65c3-7eac-bfe8-4e743b209412" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReinsuranceEffectonNetPremiumsWrittenandEarnedDetails" xlink:type="simple" xlink:href="esnt-20260331.xsd#ReinsuranceEffectonNetPremiumsWrittenandEarnedDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReinsuranceEffectonNetPremiumsWrittenandEarnedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_019da99a-8892-71fa-a9e7-e7f53cda06c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsEarned_019da99a-8892-7bd1-b0ee-6893d4f51e22" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DirectPremiumsEarned"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_019da99a-8892-71fa-a9e7-e7f53cda06c7" xlink:to="loc_us-gaap_DirectPremiumsEarned_019da99a-8892-7bd1-b0ee-6893d4f51e22" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumedPremiumsEarned_019da99a-8892-7c52-9eab-a5fb21247b47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssumedPremiumsEarned"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_019da99a-8892-71fa-a9e7-e7f53cda06c7" xlink:to="loc_us-gaap_AssumedPremiumsEarned_019da99a-8892-7c52-9eab-a5fb21247b47" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsEarned_019da99a-8892-79fe-97a0-f240dd5c127e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CededPremiumsEarned"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_019da99a-8892-71fa-a9e7-e7f53cda06c7" xlink:to="loc_us-gaap_CededPremiumsEarned_019da99a-8892-79fe-97a0-f240dd5c127e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsWrittenNet_019da99a-cced-7046-af40-6e4ef825c2ba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsWrittenNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsWritten_019da99a-cced-7809-b83f-2fe76086b63f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DirectPremiumsWritten"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsWrittenNet_019da99a-cced-7046-af40-6e4ef825c2ba" xlink:to="loc_us-gaap_DirectPremiumsWritten_019da99a-cced-7809-b83f-2fe76086b63f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumedPremiumsWritten_019da99a-ccee-7a06-a345-ff995ea12218" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssumedPremiumsWritten"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsWrittenNet_019da99a-cced-7046-af40-6e4ef825c2ba" xlink:to="loc_us-gaap_AssumedPremiumsWritten_019da99a-ccee-7a06-a345-ff995ea12218" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsWritten_019da99a-ccee-7e61-9f24-096351327381" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CededPremiumsWritten"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsWrittenNet_019da99a-cced-7046-af40-6e4ef825c2ba" xlink:to="loc_us-gaap_CededPremiumsWritten_019da99a-ccee-7e61-9f24-096351327381" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReinsuranceScheduleofTotalAssetsandMaximumExposureLossDetails" xlink:type="simple" xlink:href="esnt-20260331.xsd#ReinsuranceScheduleofTotalAssetsandMaximumExposureLossDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReinsuranceScheduleofTotalAssetsandMaximumExposureLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount_019cfc99-65c3-7021-8cd9-f5e5c9788ea8" xlink:href="esnt-20260331.xsd#esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet_019cfc99-65c3-7f73-bd77-0f0514c71ec7" xlink:href="esnt-20260331.xsd#esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount_019cfc99-65c3-7021-8cd9-f5e5c9788ea8" xlink:to="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet_019cfc99-65c3-7f73-bd77-0f0514c71ec7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet_019cfc99-65c3-7880-bc24-ab60b9292f24" xlink:href="esnt-20260331.xsd#esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount_019cfc99-65c3-7021-8cd9-f5e5c9788ea8" xlink:to="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet_019cfc99-65c3-7880-bc24-ab60b9292f24" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReserveforLossesandLossAdjustmentExpensesReconciliationofReserveBalancesforLossesandLossAdjustmentExpenseDetails" xlink:type="simple" xlink:href="esnt-20260331.xsd#ReserveforLossesandLossAdjustmentExpensesReconciliationofReserveBalancesforLossesandLossAdjustmentExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReserveforLossesandLossAdjustmentExpensesReconciliationofReserveBalancesforLossesandLossAdjustmentExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019cfc99-65c3-7964-bcd1-e652956cefd0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_019cfc99-65c3-7485-b028-78a25fb617e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019cfc99-65c3-7964-bcd1-e652956cefd0" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_019cfc99-65c3-7485-b028-78a25fb617e1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_019cfc99-65c3-73c9-b22e-b90f1fc4e4ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019cfc99-65c3-7964-bcd1-e652956cefd0" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_019cfc99-65c3-73c9-b22e-b90f1fc4e4ca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_019cfc99-65c3-76ef-8ade-0e6d4fabd4fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForLossesAndLossAdjustmentExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_019cfc99-65c3-7183-bbd8-90cfe3195b2a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_019cfc99-65c3-76ef-8ade-0e6d4fabd4fe" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_019cfc99-65c3-7183-bbd8-90cfe3195b2a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_019cfc99-65c3-7d9d-bdfe-45186a7490bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_019cfc99-65c3-76ef-8ade-0e6d4fabd4fe" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_019cfc99-65c3-7d9d-bdfe-45186a7490bd" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/EarningsperShareEPSScheduleofReconciliationofNetIncomeandWeightedAverageCommonSharesOutstandingDetails" xlink:type="simple" xlink:href="esnt-20260331.xsd#EarningsperShareEPSScheduleofReconciliationofNetIncomeandWeightedAverageCommonSharesOutstandingDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/EarningsperShareEPSScheduleofReconciliationofNetIncomeandWeightedAverageCommonSharesOutstandingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cfc99-66a4-72a4-941b-5feedd1eb0df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019cfc99-66a4-7cbe-8a06-254b13a6a912" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cfc99-66a4-72a4-941b-5feedd1eb0df" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019cfc99-66a4-7cbe-8a06-254b13a6a912" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToNonvestedSharesWithForfeitableDividends_019cfc99-66a4-7f10-8b58-6d5971bfad3d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncrementalCommonSharesAttributableToNonvestedSharesWithForfeitableDividends"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cfc99-66a4-72a4-941b-5feedd1eb0df" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToNonvestedSharesWithForfeitableDividends_019cfc99-66a4-7f10-8b58-6d5971bfad3d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossDetails" xlink:type="simple" xlink:href="esnt-20260331.xsd#AccumulatedOtherComprehensiveIncomeLossDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cfc99-66a4-7d9c-b276-2c428610c7d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cfc99-66a4-7563-bd99-404c43d1f51e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cfc99-66a4-7d9c-b276-2c428610c7d7" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cfc99-66a4-7563-bd99-404c43d1f51e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cfc99-66a4-77a4-a85b-5eaa8cda4a27" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cfc99-66a4-7d9c-b276-2c428610c7d7" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cfc99-66a4-77a4-a85b-5eaa8cda4a27" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019cfc99-66a4-79f3-80b5-29882bb49200" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_019cfc99-66a4-7c2e-9dbe-48e62fe1700e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019cfc99-66a4-79f3-80b5-29882bb49200" xlink:to="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_019cfc99-66a4-7c2e-9dbe-48e62fe1700e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_019cfc99-66a4-782f-a630-fdd1cd05eeb9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019cfc99-66a4-79f3-80b5-29882bb49200" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_019cfc99-66a4-782f-a630-fdd1cd05eeb9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cfc99-66a4-71f2-8f4d-c76f292e2dbd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_019cfc99-66a4-7052-b899-1313544028a2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cfc99-66a4-71f2-8f4d-c76f292e2dbd" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_019cfc99-66a4-7052-b899-1313544028a2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_019cfc99-66a4-7ec9-895c-7ded86aaa141" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cfc99-66a4-71f2-8f4d-c76f292e2dbd" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_019cfc99-66a4-7ec9-895c-7ded86aaa141" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cfc99-66a4-72aa-91f5-7e591f272491" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociBeforeTaxAttributableToParent_019cfc99-66a4-7ad2-a45c-4525252717bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AociBeforeTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019cfc99-66a4-72aa-91f5-7e591f272491" xlink:to="loc_us-gaap_AociBeforeTaxAttributableToParent_019cfc99-66a4-7ad2-a45c-4525252717bd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociTaxAttributableToParent_019cfc99-66a4-7c3f-a9eb-4276cc80e0f1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AociTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019cfc99-66a4-72aa-91f5-7e591f272491" xlink:to="loc_us-gaap_AociTaxAttributableToParent_019cfc99-66a4-7c3f-a9eb-4276cc80e0f1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019cfc99-66a4-7d8b-87f9-87bc5769138e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_019cfc99-66a4-7f9f-8ba3-755253b80fe8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019cfc99-66a4-7d8b-87f9-87bc5769138e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_019cfc99-66a4-7f9f-8ba3-755253b80fe8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_019cfc99-66a4-79fb-87c0-0e40b0a01e79" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019cfc99-66a4-7d8b-87f9-87bc5769138e" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_019cfc99-66a4-79fb-87c0-0e40b0a01e79" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cfc99-66a4-7a85-bb9a-dc4fe985e3ea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_019cfc99-66a4-7a40-9fdb-824ea64d60d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cfc99-66a4-7a85-bb9a-dc4fe985e3ea" xlink:to="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_019cfc99-66a4-7a40-9fdb-824ea64d60d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_019cfc99-66a4-787c-8eb1-e72ab60fa456" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cfc99-66a4-7a85-bb9a-dc4fe985e3ea" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_019cfc99-66a4-787c-8eb1-e72ab60fa456" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossDetails_1" xlink:type="simple" xlink:href="esnt-20260331.xsd#AccumulatedOtherComprehensiveIncomeLossDetails_1"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cfc99-66a4-71d1-b9e0-1ae26a414cc3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019cfc99-66a4-7907-b6ea-8e7c4caff37b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cfc99-66a4-71d1-b9e0-1ae26a414cc3" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019cfc99-66a4-7907-b6ea-8e7c4caff37b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019cfc99-66a4-76b6-94e2-30d0802b0300" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cfc99-66a4-71d1-b9e0-1ae26a414cc3" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019cfc99-66a4-76b6-94e2-30d0802b0300" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/FairValueofFinancialInstrumentsScheduleofAssetsandLiabilitiesMeasuredatFairValeonaRecurringBasisDetails" xlink:type="simple" xlink:href="esnt-20260331.xsd#FairValueofFinancialInstrumentsScheduleofAssetsandLiabilitiesMeasuredatFairValeonaRecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/FairValueofFinancialInstrumentsScheduleofAssetsandLiabilitiesMeasuredatFairValeonaRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019cfc99-66a4-76ea-9c9f-859c4710a209" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019cfc99-66a4-789c-b1ff-22e2a8e1b80c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019cfc99-66a4-76ea-9c9f-859c4710a209" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019cfc99-66a4-789c-b1ff-22e2a8e1b80c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/SegmentReportingScheduleofSegmentReportingDetails" xlink:type="simple" xlink:href="esnt-20260331.xsd#SegmentReportingScheduleofSegmentReportingDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/SegmentReportingScheduleofSegmentReportingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_esnt_OtherUnderwritingAndOperatingExpenses_019cfc99-66a4-74a0-afe0-3ba33b16754b" xlink:href="esnt-20260331.xsd#esnt_OtherUnderwritingAndOperatingExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_AcquisitionCostsNet_019cfc99-66a4-774c-a4cc-5dfae6cbb516" xlink:href="esnt-20260331.xsd#esnt_AcquisitionCostsNet"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_esnt_OtherUnderwritingAndOperatingExpenses_019cfc99-66a4-74a0-afe0-3ba33b16754b" xlink:to="loc_esnt_AcquisitionCostsNet_019cfc99-66a4-774c-a4cc-5dfae6cbb516" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_OtherUnderwritingAndOperatingExpensesOther_019cfc99-66a4-7185-a882-7d4a84214508" xlink:href="esnt-20260331.xsd#esnt_OtherUnderwritingAndOperatingExpensesOther"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_esnt_OtherUnderwritingAndOperatingExpenses_019cfc99-66a4-74a0-afe0-3ba33b16754b" xlink:to="loc_esnt_OtherUnderwritingAndOperatingExpensesOther_019cfc99-66a4-7185-a882-7d4a84214508" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeBenefitsAndShareBasedCompensation_019cfc99-66a4-7b6e-abb3-a1401354b530" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeBenefitsAndShareBasedCompensation"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_esnt_OtherUnderwritingAndOperatingExpenses_019cfc99-66a4-74a0-afe0-3ba33b16754b" xlink:to="loc_us-gaap_EmployeeBenefitsAndShareBasedCompensation_019cfc99-66a4-7b6e-abb3-a1401354b530" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_PremiumAndOtherTaxes_019cfc99-66a4-7bcf-b933-3425240f4ee7" xlink:href="esnt-20260331.xsd#esnt_PremiumAndOtherTaxes"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_esnt_OtherUnderwritingAndOperatingExpenses_019cfc99-66a4-74a0-afe0-3ba33b16754b" xlink:to="loc_esnt_PremiumAndOtherTaxes_019cfc99-66a4-7bcf-b933-3425240f4ee7" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
