<?xml version="1.0" encoding="US-ASCII"?>
<!--XBRL Document Created with Wdesk from Workiva-->
<!-- -->
<link:linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" 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">
  <link:roleRef roleURI="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLoss" xlink:href="esnt-20200630.xsd#AccumulatedOtherComprehensiveIncomeLoss" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossDetails" xlink:href="esnt-20200630.xsd#AccumulatedOtherComprehensiveIncomeLossDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossDetailsCalc2" xlink:href="esnt-20200630.xsd#AccumulatedOtherComprehensiveIncomeLossDetailsCalc2" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossTables" xlink:href="esnt-20200630.xsd#AccumulatedOtherComprehensiveIncomeLossTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CapitalStock" xlink:href="esnt-20200630.xsd#CapitalStock" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CapitalStockDetails" xlink:href="esnt-20200630.xsd#CapitalStockDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CommitmentsAndContingencies" xlink:href="esnt-20200630.xsd#CommitmentsAndContingencies" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CommitmentsAndContingenciesDetails" xlink:href="esnt-20200630.xsd#CommitmentsAndContingenciesDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CommitmentsAndContingenciesDetails2" xlink:href="esnt-20200630.xsd#CommitmentsAndContingenciesDetails2" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CommitmentsAndContingenciesDetails3" xlink:href="esnt-20200630.xsd#CommitmentsAndContingenciesDetails3" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CommitmentsAndContingenciesDetails3Calc2" xlink:href="esnt-20200630.xsd#CommitmentsAndContingenciesDetails3Calc2" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CommitmentsAndContingenciesTables" xlink:href="esnt-20200630.xsd#CommitmentsAndContingenciesTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CondensedConsolidatedBalanceSheetsUnaudited" xlink:href="esnt-20200630.xsd#CondensedConsolidatedBalanceSheetsUnaudited" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CondensedConsolidatedBalanceSheetsUnauditedParenthetical" xlink:href="esnt-20200630.xsd#CondensedConsolidatedBalanceSheetsUnauditedParenthetical" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CondensedConsolidatedStatementsOfCashFlowsUnaudited" xlink:href="esnt-20200630.xsd#CondensedConsolidatedStatementsOfCashFlowsUnaudited" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CondensedConsolidatedStatementsOfChangesInStockholdersEquityUnaudited" xlink:href="esnt-20200630.xsd#CondensedConsolidatedStatementsOfChangesInStockholdersEquityUnaudited" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CondensedConsolidatedStatementsOfChangesInStockholdersEquityUnauditedParenthetical" xlink:href="esnt-20200630.xsd#CondensedConsolidatedStatementsOfChangesInStockholdersEquityUnauditedParenthetical" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CondensedConsolidatedStatementsOfComprehensiveIncomeUnaudited" xlink:href="esnt-20200630.xsd#CondensedConsolidatedStatementsOfComprehensiveIncomeUnaudited" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CondensedConsolidatedStatementsOfComprehensiveIncomeUnauditedParenthetical" xlink:href="esnt-20200630.xsd#CondensedConsolidatedStatementsOfComprehensiveIncomeUnauditedParenthetical" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/CoverPage" xlink:href="esnt-20200630.xsd#CoverPage" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/DebtObligations" xlink:href="esnt-20200630.xsd#DebtObligations" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/DebtObligationsDetails" xlink:href="esnt-20200630.xsd#DebtObligationsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/DividendRestrictions" xlink:href="esnt-20200630.xsd#DividendRestrictions" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/DividendRestrictionsDetails" xlink:href="esnt-20200630.xsd#DividendRestrictionsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/EarningsPerShareEps" xlink:href="esnt-20200630.xsd#EarningsPerShareEps" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/EarningsPerShareEpsDetails" xlink:href="esnt-20200630.xsd#EarningsPerShareEpsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/EarningsPerShareEpsDetails2" xlink:href="esnt-20200630.xsd#EarningsPerShareEpsDetails2" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/EarningsPerShareEpsTables" xlink:href="esnt-20200630.xsd#EarningsPerShareEpsTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/FairValueOfFinancialInstruments" xlink:href="esnt-20200630.xsd#FairValueOfFinancialInstruments" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/FairValueOfFinancialInstrumentsDetails" xlink:href="esnt-20200630.xsd#FairValueOfFinancialInstrumentsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/FairValueOfFinancialInstrumentsTables" xlink:href="esnt-20200630.xsd#FairValueOfFinancialInstrumentsTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/IncomeTaxes" xlink:href="esnt-20200630.xsd#IncomeTaxes" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/IncomeTaxesDetails" xlink:href="esnt-20200630.xsd#IncomeTaxesDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/IncomeTaxesDetails2" xlink:href="esnt-20200630.xsd#IncomeTaxesDetails2" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/IncomeTaxesDetails2Calc2" xlink:href="esnt-20200630.xsd#IncomeTaxesDetails2Calc2" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/IncomeTaxesDetails3" xlink:href="esnt-20200630.xsd#IncomeTaxesDetails3" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/IncomeTaxesDetailsCalc2" xlink:href="esnt-20200630.xsd#IncomeTaxesDetailsCalc2" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/IncomeTaxesTables" xlink:href="esnt-20200630.xsd#IncomeTaxesTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/Investments" xlink:href="esnt-20200630.xsd#Investments" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsDetails" xlink:href="esnt-20200630.xsd#InvestmentsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsDetails2" xlink:href="esnt-20200630.xsd#InvestmentsDetails2" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsDetails3" xlink:href="esnt-20200630.xsd#InvestmentsDetails3" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsDetails4" xlink:href="esnt-20200630.xsd#InvestmentsDetails4" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsDetails5" xlink:href="esnt-20200630.xsd#InvestmentsDetails5" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsTables" xlink:href="esnt-20200630.xsd#InvestmentsTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/NatureOfOperationsAndBasisOfPresentation" xlink:href="esnt-20200630.xsd#NatureOfOperationsAndBasisOfPresentation" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/NatureOfOperationsAndBasisOfPresentationDetails" xlink:href="esnt-20200630.xsd#NatureOfOperationsAndBasisOfPresentationDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/RecentlyIssuedAccountingStandards" xlink:href="esnt-20200630.xsd#RecentlyIssuedAccountingStandards" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/RecentlyIssuedAccountingStandardsPolicies" xlink:href="esnt-20200630.xsd#RecentlyIssuedAccountingStandardsPolicies" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/Reinsurance" xlink:href="esnt-20200630.xsd#Reinsurance" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReinsuranceDetails" xlink:href="esnt-20200630.xsd#ReinsuranceDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReinsuranceDetails2" xlink:href="esnt-20200630.xsd#ReinsuranceDetails2" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReinsuranceDetails3" xlink:href="esnt-20200630.xsd#ReinsuranceDetails3" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReinsuranceDetails4" xlink:href="esnt-20200630.xsd#ReinsuranceDetails4" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReinsuranceDetails5" xlink:href="esnt-20200630.xsd#ReinsuranceDetails5" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReinsuranceTables" xlink:href="esnt-20200630.xsd#ReinsuranceTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReserveForLossesAndLossAdjustmentExpenses" xlink:href="esnt-20200630.xsd#ReserveForLossesAndLossAdjustmentExpenses" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReserveForLossesAndLossAdjustmentExpensesDetails" xlink:href="esnt-20200630.xsd#ReserveForLossesAndLossAdjustmentExpensesDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReserveForLossesAndLossAdjustmentExpensesDetails2" xlink:href="esnt-20200630.xsd#ReserveForLossesAndLossAdjustmentExpensesDetails2" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReserveForLossesAndLossAdjustmentExpensesTables" xlink:href="esnt-20200630.xsd#ReserveForLossesAndLossAdjustmentExpensesTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/StatutoryAccounting" xlink:href="esnt-20200630.xsd#StatutoryAccounting" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/StatutoryAccountingDetails" xlink:href="esnt-20200630.xsd#StatutoryAccountingDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/StatutoryAccountingTables" xlink:href="esnt-20200630.xsd#StatutoryAccountingTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/StockBasedCompensation" xlink:href="esnt-20200630.xsd#StockBasedCompensation" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/StockBasedCompensationDetails" xlink:href="esnt-20200630.xsd#StockBasedCompensationDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/StockBasedCompensationDetails2" xlink:href="esnt-20200630.xsd#StockBasedCompensationDetails2" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/StockBasedCompensationDetails3" xlink:href="esnt-20200630.xsd#StockBasedCompensationDetails3" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/StockBasedCompensationDetails4" xlink:href="esnt-20200630.xsd#StockBasedCompensationDetails4" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/StockBasedCompensationDetails5" xlink:href="esnt-20200630.xsd#StockBasedCompensationDetails5" xlink:type="simple" />
  <link:roleRef roleURI="http://www.essentgroup.com/role/StockBasedCompensationTables" xlink:href="esnt-20200630.xsd#StockBasedCompensationTables" xlink:type="simple" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLoss" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_bc48fdc5-5f6e-a6eb-f9ed-071a5504d94b" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_49c4b256-c51c-d8b8-d8d7-6ee2c88c9315" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_bc48fdc5-5f6e-a6eb-f9ed-071a5504d94b" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_49c4b256-c51c-d8b8-d8d7-6ee2c88c9315" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReclassificationFromAociCurrentPeriodTax" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_a43cbdc0-cc24-216a-ac50-56c38e7ad775" xlink:type="locator" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_bc48fdc5-5f6e-a6eb-f9ed-071a5504d94b" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_a43cbdc0-cc24-216a-ac50-56c38e7ad775" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_e4f9ed30-225d-b1c2-4b66-efe0757ad41c" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_2d646dc8-8d1a-aafa-11ed-80f0f26b2dff" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_e4f9ed30-225d-b1c2-4b66-efe0757ad41c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_2d646dc8-8d1a-aafa-11ed-80f0f26b2dff" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent" xlink:label="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_990f6b8e-405e-9997-2f63-2c7e78458cb1" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_2d646dc8-8d1a-aafa-11ed-80f0f26b2dff" xlink:to="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_990f6b8e-405e-9997-2f63-2c7e78458cb1" xlink:type="arc" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_2d646dc8-8d1a-aafa-11ed-80f0f26b2dff" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_49c4b256-c51c-d8b8-d8d7-6ee2c88c9315" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_7d7be751-a582-4197-3747-f57ad896010a" xlink:type="locator" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_e4f9ed30-225d-b1c2-4b66-efe0757ad41c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_7d7be751-a582-4197-3747-f57ad896010a" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_1809252f-81cf-136c-cd79-642b36379e64" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_7d7be751-a582-4197-3747-f57ad896010a" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_1809252f-81cf-136c-cd79-642b36379e64" xlink:type="arc" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_7d7be751-a582-4197-3747-f57ad896010a" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_a43cbdc0-cc24-216a-ac50-56c38e7ad775" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_us-gaap_StockholdersEquity_444cfce6-fc59-0d4d-1ade-0fdec3499b08" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AociBeforeTaxAttributableToParent" xlink:label="loc_us-gaap_AociBeforeTaxAttributableToParent_44d86b21-cacb-b9aa-efb8-a58f8a684d87" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_444cfce6-fc59-0d4d-1ade-0fdec3499b08" xlink:to="loc_us-gaap_AociBeforeTaxAttributableToParent_44d86b21-cacb-b9aa-efb8-a58f8a684d87" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AociTaxAttributableToParent" xlink:label="loc_us-gaap_AociTaxAttributableToParent_5023a28e-0972-958a-9f9a-a88aae4981ce" xlink:type="locator" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_444cfce6-fc59-0d4d-1ade-0fdec3499b08" xlink:to="loc_us-gaap_AociTaxAttributableToParent_5023a28e-0972-958a-9f9a-a88aae4981ce" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_13cb0a1c-3aa6-b33f-7de7-50a371870e4f" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_13cb0a1c-3aa6-b33f-7de7-50a371870e4f" xlink:to="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_990f6b8e-405e-9997-2f63-2c7e78458cb1" xlink:type="arc" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_13cb0a1c-3aa6-b33f-7de7-50a371870e4f" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_1809252f-81cf-136c-cd79-642b36379e64" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossDetailsCalc2" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_9753A4386FF796B669607965DC347134_e4f9ed30-225d-b1c2-4b66-efe0757ad41c" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_9753A4386FF796B669607965DC347134_13cb0a1c-3aa6-b33f-7de7-50a371870e4f" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_9753A4386FF796B669607965DC347134_e4f9ed30-225d-b1c2-4b66-efe0757ad41c" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_9753A4386FF796B669607965DC347134_13cb0a1c-3aa6-b33f-7de7-50a371870e4f" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_9753A4386FF796B669607965DC347134_bc48fdc5-5f6e-a6eb-f9ed-071a5504d94b" xlink:type="locator" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_9753A4386FF796B669607965DC347134_e4f9ed30-225d-b1c2-4b66-efe0757ad41c" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_9753A4386FF796B669607965DC347134_bc48fdc5-5f6e-a6eb-f9ed-071a5504d94b" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossTables" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CapitalStock" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CapitalStockDetails" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CommitmentsAndContingencies" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CommitmentsAndContingenciesDetails" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CommitmentsAndContingenciesDetails2" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LeaseCost" xlink:label="loc_us-gaap_LeaseCost_77713e2c-39c0-2928-ada1-44468992f16e" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeaseCost" xlink:label="loc_us-gaap_OperatingLeaseCost_33693773-864e-1cc1-3236-0c5155be3c52" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_77713e2c-39c0-2928-ada1-44468992f16e" xlink:to="loc_us-gaap_OperatingLeaseCost_33693773-864e-1cc1-3236-0c5155be3c52" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShortTermLeaseCost" xlink:label="loc_us-gaap_ShortTermLeaseCost_94d68068-ead7-405b-9929-d5bef46a0f5c" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_77713e2c-39c0-2928-ada1-44468992f16e" xlink:to="loc_us-gaap_ShortTermLeaseCost_94d68068-ead7-405b-9929-d5bef46a0f5c" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubleaseIncome" xlink:label="loc_us-gaap_SubleaseIncome_f6c8c3b6-96a3-ae86-ea4a-2f54f514d50c" xlink:type="locator" />
    <link:calculationArc order="3" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_77713e2c-39c0-2928-ada1-44468992f16e" xlink:to="loc_us-gaap_SubleaseIncome_f6c8c3b6-96a3-ae86-ea4a-2f54f514d50c" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CommitmentsAndContingenciesDetails3" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_ace8d124-6d5c-421d-3a79-a2bec1d408ae" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_43bc6b71-af9e-673d-6993-b6a02f1641e8" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_ace8d124-6d5c-421d-3a79-a2bec1d408ae" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_43bc6b71-af9e-673d-6993-b6a02f1641e8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_d5204522-5767-9cc8-bd20-39f37a077136" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_ace8d124-6d5c-421d-3a79-a2bec1d408ae" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_d5204522-5767-9cc8-bd20-39f37a077136" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_5b3c8073-78d2-1d8d-4a57-09d002ab65a0" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_ace8d124-6d5c-421d-3a79-a2bec1d408ae" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_5b3c8073-78d2-1d8d-4a57-09d002ab65a0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_006a0126-4f87-3b72-3a02-6e918f06be6c" xlink:type="locator" />
    <link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_ace8d124-6d5c-421d-3a79-a2bec1d408ae" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_006a0126-4f87-3b72-3a02-6e918f06be6c" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_e274b476-0799-2889-05dd-d2465fdd0c72" xlink:type="locator" />
    <link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_ace8d124-6d5c-421d-3a79-a2bec1d408ae" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_e274b476-0799-2889-05dd-d2465fdd0c72" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_LesseeOperatingLeaseLiabilitytobePaidafterYearFour" xlink:label="loc_esnt_LesseeOperatingLeaseLiabilitytobePaidafterYearFour_17e667bc-960b-a35d-ff43-7965529ae19c" xlink:type="locator" />
    <link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_ace8d124-6d5c-421d-3a79-a2bec1d408ae" xlink:to="loc_esnt_LesseeOperatingLeaseLiabilitytobePaidafterYearFour_17e667bc-960b-a35d-ff43-7965529ae19c" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CommitmentsAndContingenciesDetails3Calc2" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_B46A36BF863B686EB6BF7965DC25AF25_ace8d124-6d5c-421d-3a79-a2bec1d408ae" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_B46A36BF863B686EB6BF7965DC25AF25_af2ac898-45af-69b0-d4ab-f13800924909" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_B46A36BF863B686EB6BF7965DC25AF25_ace8d124-6d5c-421d-3a79-a2bec1d408ae" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_B46A36BF863B686EB6BF7965DC25AF25_af2ac898-45af-69b0-d4ab-f13800924909" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeaseLiability" xlink:label="loc_us-gaap_OperatingLeaseLiability_B46A36BF863B686EB6BF7965DC25AF25_a8b66d7f-72c7-4ff2-7f1f-84b93ba048de" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_B46A36BF863B686EB6BF7965DC25AF25_ace8d124-6d5c-421d-3a79-a2bec1d408ae" xlink:to="loc_us-gaap_OperatingLeaseLiability_B46A36BF863B686EB6BF7965DC25AF25_a8b66d7f-72c7-4ff2-7f1f-84b93ba048de" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CommitmentsAndContingenciesTables" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CondensedConsolidatedBalanceSheetsUnaudited" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets_d88b9019-0bd3-d7de-96eb-5cd69c504c2c" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Investments" xlink:label="loc_us-gaap_Investments_b4fcf0a1-5a96-2b1b-a55b-d099ae579517" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_d88b9019-0bd3-d7de-96eb-5cd69c504c2c" xlink:to="loc_us-gaap_Investments_b4fcf0a1-5a96-2b1b-a55b-d099ae579517" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_17e567b0-4e77-385a-6ce4-0f470bbb70c3" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_b4fcf0a1-5a96-2b1b-a55b-d099ae579517" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_17e567b0-4e77-385a-6ce4-0f470bbb70c3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EquityMethodInvestments" xlink:label="loc_us-gaap_EquityMethodInvestments_ff686380-cb66-3f62-443b-907a193effe8" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_b4fcf0a1-5a96-2b1b-a55b-d099ae579517" xlink:to="loc_us-gaap_EquityMethodInvestments_ff686380-cb66-3f62-443b-907a193effe8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Cash" xlink:label="loc_us-gaap_Cash_ad0a2708-ba9b-b27d-3ba9-7b2e64411aed" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_d88b9019-0bd3-d7de-96eb-5cd69c504c2c" xlink:to="loc_us-gaap_Cash_ad0a2708-ba9b-b27d-3ba9-7b2e64411aed" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:label="loc_us-gaap_AccruedInvestmentIncomeReceivable_4c84ff23-94fe-f19d-5ec0-b167424f6d77" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_d88b9019-0bd3-d7de-96eb-5cd69c504c2c" xlink:to="loc_us-gaap_AccruedInvestmentIncomeReceivable_4c84ff23-94fe-f19d-5ec0-b167424f6d77" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NotesReceivableNet" xlink:label="loc_us-gaap_NotesReceivableNet_7a2829ad-a1e1-2b23-7ef9-9907c45b02ce" xlink:type="locator" />
    <link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_d88b9019-0bd3-d7de-96eb-5cd69c504c2c" xlink:to="loc_us-gaap_NotesReceivableNet_7a2829ad-a1e1-2b23-7ef9-9907c45b02ce" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCosts" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCosts_121e7f3f-4a16-1a12-4e60-48cf3deaeae5" xlink:type="locator" />
    <link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_d88b9019-0bd3-d7de-96eb-5cd69c504c2c" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCosts_121e7f3f-4a16-1a12-4e60-48cf3deaeae5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_bf545d72-755b-f46c-4176-2eeaac0328d1" xlink:type="locator" />
    <link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_d88b9019-0bd3-d7de-96eb-5cd69c504c2c" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_bf545d72-755b-f46c-4176-2eeaac0328d1" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" xlink:label="loc_esnt_MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds_04e24201-720d-fb02-6ae2-796552de25a0" xlink:type="locator" />
    <link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_d88b9019-0bd3-d7de-96eb-5cd69c504c2c" xlink:to="loc_esnt_MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds_04e24201-720d-fb02-6ae2-796552de25a0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaap_OtherAssets_f05c35cd-016d-8bcb-e534-3e80ed2ec588" xlink:type="locator" />
    <link:calculationArc order="8" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_d88b9019-0bd3-d7de-96eb-5cd69c504c2c" xlink:to="loc_us-gaap_OtherAssets_f05c35cd-016d-8bcb-e534-3e80ed2ec588" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_ae7d1998-6654-2677-8e9f-f36b62210000" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_us-gaap_Liabilities_a0e4a1b3-b018-392a-9b7d-09729b37d6a1" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_ae7d1998-6654-2677-8e9f-f36b62210000" xlink:to="loc_us-gaap_Liabilities_a0e4a1b3-b018-392a-9b7d-09729b37d6a1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_5a0d6ffd-b7b7-a962-7e04-b880085d111a" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_a0e4a1b3-b018-392a-9b7d-09729b37d6a1" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_5a0d6ffd-b7b7-a962-7e04-b880085d111a" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_UnearnedPremiums" xlink:label="loc_us-gaap_UnearnedPremiums_507f2a5d-d715-49a5-839c-1b20aa9e4218" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_a0e4a1b3-b018-392a-9b7d-09729b37d6a1" xlink:to="loc_us-gaap_UnearnedPremiums_507f2a5d-d715-49a5-839c-1b20aa9e4218" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilitiesNet_e498812a-ea06-2933-72f6-8e959ed1c719" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_a0e4a1b3-b018-392a-9b7d-09729b37d6a1" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilitiesNet_e498812a-ea06-2933-72f6-8e959ed1c719" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LineOfCredit" xlink:label="loc_us-gaap_LineOfCredit_f2fc4e1e-8670-9358-20e4-e25d6c8d83d0" xlink:type="locator" />
    <link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_a0e4a1b3-b018-392a-9b7d-09729b37d6a1" xlink:to="loc_us-gaap_LineOfCredit_f2fc4e1e-8670-9358-20e4-e25d6c8d83d0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xlink:label="loc_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_b7434bdb-e7eb-f093-b6ef-2f55f1410f6d" xlink:type="locator" />
    <link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_a0e4a1b3-b018-392a-9b7d-09729b37d6a1" xlink:to="loc_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_b7434bdb-e7eb-f093-b6ef-2f55f1410f6d" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_us-gaap_StockholdersEquity_444cfce6-fc59-0d4d-1ade-0fdec3499b08" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_ae7d1998-6654-2677-8e9f-f36b62210000" xlink:to="loc_us-gaap_StockholdersEquity_444cfce6-fc59-0d4d-1ade-0fdec3499b08" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockValue" xlink:label="loc_us-gaap_CommonStockValue_130b8997-2f7a-8192-a853-ff9fb4629d95" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_444cfce6-fc59-0d4d-1ade-0fdec3499b08" xlink:to="loc_us-gaap_CommonStockValue_130b8997-2f7a-8192-a853-ff9fb4629d95" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:label="loc_us-gaap_AdditionalPaidInCapitalCommonStock_3f755bf1-b6ef-82fa-3641-aa65146754d7" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_444cfce6-fc59-0d4d-1ade-0fdec3499b08" xlink:to="loc_us-gaap_AdditionalPaidInCapitalCommonStock_3f755bf1-b6ef-82fa-3641-aa65146754d7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_355fc088-038d-3905-0784-91db0d020a77" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_444cfce6-fc59-0d4d-1ade-0fdec3499b08" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_355fc088-038d-3905-0784-91db0d020a77" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_18ff0284-4873-6ef0-806f-4fb76051c01f" xlink:type="locator" />
    <link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_444cfce6-fc59-0d4d-1ade-0fdec3499b08" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_18ff0284-4873-6ef0-806f-4fb76051c01f" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="loc_us-gaap_CommitmentsAndContingencies_c8c1ef7d-82ef-ec40-66d0-45806fc53a6e" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_ae7d1998-6654-2677-8e9f-f36b62210000" xlink:to="loc_us-gaap_CommitmentsAndContingencies_c8c1ef7d-82ef-ec40-66d0-45806fc53a6e" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CondensedConsolidatedBalanceSheetsUnauditedParenthetical" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CondensedConsolidatedStatementsOfCashFlowsUnaudited" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_7e98a0be-51ae-18d0-54bf-b32eca8c5c1d" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_7e98a0be-51ae-18d0-54bf-b32eca8c5c1d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_aaf4fade-f652-62f8-cf02-c59447905641" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_NetIncomeLoss_aaf4fade-f652-62f8-cf02-c59447905641" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RealizedInvestmentGainsLosses" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_2bb1583a-fb3d-0d34-a80b-4c53b3a8d251" xlink:type="locator" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_2bb1583a-fb3d-0d34-a80b-4c53b3a8d251" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_75dcfd3d-3d98-a274-6983-66b5cde008e2" xlink:type="locator" />
    <link:calculationArc order="3" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_75dcfd3d-3d98-a274-6983-66b5cde008e2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EquityMethodInvestmentDividendsOrDistributions" xlink:label="loc_us-gaap_EquityMethodInvestmentDividendsOrDistributions_53e5979c-9c07-82e6-c347-86147eee915d" xlink:type="locator" />
    <link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_EquityMethodInvestmentDividendsOrDistributions_53e5979c-9c07-82e6-c347-86147eee915d" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DepreciationDepletionAndAmortization" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_fb4a1534-3ea3-3150-f601-42486b71bc63" xlink:type="locator" />
    <link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_fb4a1534-3ea3-3150-f601-42486b71bc63" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="loc_us-gaap_ShareBasedCompensation_8e70545b-e41a-5c88-3aeb-15f273c05266" xlink:type="locator" />
    <link:calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_ShareBasedCompensation_8e70545b-e41a-5c88-3aeb-15f273c05266" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentIncomeAmortizationOfPremium" xlink:label="loc_us-gaap_InvestmentIncomeAmortizationOfPremium_41b93d26-3063-883e-ad2b-6ff8e0d99d95" xlink:type="locator" />
    <link:calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_InvestmentIncomeAmortizationOfPremium_41b93d26-3063-883e-ad2b-6ff8e0d99d95" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_282d8de6-1466-4351-6593-66c6a3dfd2f5" xlink:type="locator" />
    <link:calculationArc order="8" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_282d8de6-1466-4351-6593-66c6a3dfd2f5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_ef99f23d-1a55-a7a0-37c2-597702567f86" xlink:type="locator" />
    <link:calculationArc order="9" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_ef99f23d-1a55-a7a0-37c2-597702567f86" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_753ca67e-e0b1-89f6-0f4c-664d01a2b0f7" xlink:type="locator" />
    <link:calculationArc order="10" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_753ca67e-e0b1-89f6-0f4c-664d01a2b0f7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xlink:label="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_bbb49c3e-9d63-284b-e453-305b81ee9128" xlink:type="locator" />
    <link:calculationArc order="11" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_bbb49c3e-9d63-284b-e453-305b81ee9128" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" xlink:label="loc_esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds_9862f159-95b6-3cff-09f7-7965528a1c89" xlink:type="locator" />
    <link:calculationArc order="12" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds_9862f159-95b6-3cff-09f7-7965528a1c89" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_5efc4af8-bdb4-9fc6-04da-b12facfc424c" xlink:type="locator" />
    <link:calculationArc order="13" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_5efc4af8-bdb4-9fc6-04da-b12facfc424c" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve" xlink:label="loc_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve_7b1744ba-ba2a-3125-6276-39fb1ef372cc" xlink:type="locator" />
    <link:calculationArc order="14" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve_7b1744ba-ba2a-3125-6276-39fb1ef372cc" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiums" xlink:label="loc_us-gaap_IncreaseDecreaseInUnearnedPremiums_b9b2387b-6ee5-16cd-8809-7de95ada8256" xlink:type="locator" />
    <link:calculationArc order="15" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_IncreaseDecreaseInUnearnedPremiums_b9b2387b-6ee5-16cd-8809-7de95ada8256" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilities" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_4b0bcec4-8cac-770b-1104-d9ba7647c257" xlink:type="locator" />
    <link:calculationArc order="16" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_13d5d34e-e391-ca89-d84d-71b1e1c2a78c" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_4b0bcec4-8cac-770b-1104-d9ba7647c257" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2794b8a8-762d-d243-a2f5-a00d52d74432" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_7e98a0be-51ae-18d0-54bf-b32eca8c5c1d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2794b8a8-762d-d243-a2f5-a00d52d74432" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsForProceedsFromShortTermInvestments" xlink:label="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_2255db9f-8de6-0356-d88b-54e3ef50ce98" xlink:type="locator" />
    <link:calculationArc order="1" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2794b8a8-762d-d243-a2f5-a00d52d74432" xlink:to="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_2255db9f-8de6-0356-d88b-54e3ef50ce98" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital" xlink:label="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_c59b7eae-e842-e053-bd35-7b10de8095dc" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2794b8a8-762d-d243-a2f5-a00d52d74432" xlink:to="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_c59b7eae-e842-e053-bd35-7b10de8095dc" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_bf357336-8196-4dcb-a246-a5b374cba528" xlink:type="locator" />
    <link:calculationArc order="3" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2794b8a8-762d-d243-a2f5-a00d52d74432" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_bf357336-8196-4dcb-a246-a5b374cba528" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_a6b6fea5-7dc9-bae6-a16b-42c0bad4224b" xlink:type="locator" />
    <link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2794b8a8-762d-d243-a2f5-a00d52d74432" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_a6b6fea5-7dc9-bae6-a16b-42c0bad4224b" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_1b0e5a35-7d0f-6d6d-ffbc-789ef24961d0" xlink:type="locator" />
    <link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2794b8a8-762d-d243-a2f5-a00d52d74432" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_1b0e5a35-7d0f-6d6d-ffbc-789ef24961d0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_ca48a49a-2cde-cf3d-6904-e8f08b6e1fbb" xlink:type="locator" />
    <link:calculationArc order="6" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2794b8a8-762d-d243-a2f5-a00d52d74432" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_ca48a49a-2cde-cf3d-6904-e8f08b6e1fbb" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquireEquityMethodInvestments" xlink:label="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_0b277ed9-58e8-8212-b2b2-cd279fc6be74" xlink:type="locator" />
    <link:calculationArc order="7" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2794b8a8-762d-d243-a2f5-a00d52d74432" xlink:to="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_0b277ed9-58e8-8212-b2b2-cd279fc6be74" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_0a7e00ec-a1a5-81e8-5255-8844ac6fe87f" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_7e98a0be-51ae-18d0-54bf-b32eca8c5c1d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_0a7e00ec-a1a5-81e8-5255-8844ac6fe87f" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_a217bad1-c076-d01c-43fb-4959b256b731" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_0a7e00ec-a1a5-81e8-5255-8844ac6fe87f" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_a217bad1-c076-d01c-43fb-4959b256b731" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromLongTermLinesOfCredit" xlink:label="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_10216689-fc54-9853-01df-1dced54d5b0d" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_0a7e00ec-a1a5-81e8-5255-8844ac6fe87f" xlink:to="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_10216689-fc54-9853-01df-1dced54d5b0d" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_5438f733-2c2e-cb8b-518a-eb0b0108364e" xlink:type="locator" />
    <link:calculationArc order="3" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_0a7e00ec-a1a5-81e8-5255-8844ac6fe87f" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_5438f733-2c2e-cb8b-518a-eb0b0108364e" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsOfDebtIssuanceCosts" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_cd0ce811-9d23-8dc4-a4a9-c5af8a838e96" xlink:type="locator" />
    <link:calculationArc order="4" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_0a7e00ec-a1a5-81e8-5255-8844ac6fe87f" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_cd0ce811-9d23-8dc4-a4a9-c5af8a838e96" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_d5388628-04a8-f9f2-f1f1-9af34cf68c6b" xlink:type="locator" />
    <link:calculationArc order="5" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_0a7e00ec-a1a5-81e8-5255-8844ac6fe87f" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_d5388628-04a8-f9f2-f1f1-9af34cf68c6b" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CondensedConsolidatedStatementsOfChangesInStockholdersEquityUnaudited" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CondensedConsolidatedStatementsOfChangesInStockholdersEquityUnauditedParenthetical" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CondensedConsolidatedStatementsOfComprehensiveIncomeUnaudited" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_61cff5eb-6380-0a99-0b9f-2aa494c88658" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_e4f9ed30-225d-b1c2-4b66-efe0757ad41c" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_61cff5eb-6380-0a99-0b9f-2aa494c88658" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_e4f9ed30-225d-b1c2-4b66-efe0757ad41c" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_57dadafb-e43a-97d1-462a-41852c357027" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_e4f9ed30-225d-b1c2-4b66-efe0757ad41c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_57dadafb-e43a-97d1-462a-41852c357027" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_002f9190-e528-4c20-fecc-961a16ab3d50" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_61cff5eb-6380-0a99-0b9f-2aa494c88658" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_002f9190-e528-4c20-fecc-961a16ab3d50" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_aaf4fade-f652-62f8-cf02-c59447905641" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_3b4fb19e-0ab3-73fa-6824-0c5022a00349" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_aaf4fade-f652-62f8-cf02-c59447905641" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_3b4fb19e-0ab3-73fa-6824-0c5022a00349" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues_0bbe8f4f-d085-9302-fa93-9512411ebfc0" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_3b4fb19e-0ab3-73fa-6824-0c5022a00349" xlink:to="loc_us-gaap_Revenues_0bbe8f4f-d085-9302-fa93-9512411ebfc0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PremiumsEarnedNet" xlink:label="loc_us-gaap_PremiumsEarnedNet_63479266-0f5f-d854-aa7b-9460736a713f" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_0bbe8f4f-d085-9302-fa93-9512411ebfc0" xlink:to="loc_us-gaap_PremiumsEarnedNet_63479266-0f5f-d854-aa7b-9460736a713f" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PremiumsWrittenNet" xlink:label="loc_us-gaap_PremiumsWrittenNet_3e2cacb5-1858-11a0-1224-5c6343bbeb88" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_63479266-0f5f-d854-aa7b-9460736a713f" xlink:to="loc_us-gaap_PremiumsWrittenNet_3e2cacb5-1858-11a0-1224-5c6343bbeb88" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiumsNet" xlink:label="loc_us-gaap_IncreaseDecreaseInUnearnedPremiumsNet_d7c69dc6-76c0-e201-e13b-8fb7b8ff285e" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_63479266-0f5f-d854-aa7b-9460736a713f" xlink:to="loc_us-gaap_IncreaseDecreaseInUnearnedPremiumsNet_d7c69dc6-76c0-e201-e13b-8fb7b8ff285e" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetInvestmentIncome" xlink:label="loc_us-gaap_NetInvestmentIncome_476690a9-dbc4-adef-ef7c-c1006992bc6c" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_0bbe8f4f-d085-9302-fa93-9512411ebfc0" xlink:to="loc_us-gaap_NetInvestmentIncome_476690a9-dbc4-adef-ef7c-c1006992bc6c" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RealizedInvestmentGainsLosses" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_2bb1583a-fb3d-0d34-a80b-4c53b3a8d251" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_0bbe8f4f-d085-9302-fa93-9512411ebfc0" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_2bb1583a-fb3d-0d34-a80b-4c53b3a8d251" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherIncome" xlink:label="loc_us-gaap_OtherIncome_163c6097-00d5-0020-bb1f-378f9e07c3e8" xlink:type="locator" />
    <link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_0bbe8f4f-d085-9302-fa93-9512411ebfc0" xlink:to="loc_us-gaap_OtherIncome_163c6097-00d5-0020-bb1f-378f9e07c3e8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BenefitsLossesAndExpenses" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_e7e87f71-cd04-7cd2-81ba-fd4915ac75a7" xlink:type="locator" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_3b4fb19e-0ab3-73fa-6824-0c5022a00349" xlink:to="loc_us-gaap_BenefitsLossesAndExpenses_e7e87f71-cd04-7cd2-81ba-fd4915ac75a7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_dd3887cf-75b0-b682-75f2-8c7d656895cf" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_e7e87f71-cd04-7cd2-81ba-fd4915ac75a7" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_dd3887cf-75b0-b682-75f2-8c7d656895cf" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestExpense" xlink:label="loc_us-gaap_InterestExpense_70961961-6a13-30f4-732a-8e29cef0bea0" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_e7e87f71-cd04-7cd2-81ba-fd4915ac75a7" xlink:to="loc_us-gaap_InterestExpense_70961961-6a13-30f4-732a-8e29cef0bea0" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_OtherUnderwritingAndOperatingExpenses" xlink:label="loc_esnt_OtherUnderwritingAndOperatingExpenses_e4bcf485-bf76-90c4-cc23-796552ab889c" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_e7e87f71-cd04-7cd2-81ba-fd4915ac75a7" xlink:to="loc_esnt_OtherUnderwritingAndOperatingExpenses_e4bcf485-bf76-90c4-cc23-796552ab889c" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_6a75c878-dfaf-e368-936e-ce293fe86f6f" xlink:type="locator" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_aaf4fade-f652-62f8-cf02-c59447905641" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_6a75c878-dfaf-e368-936e-ce293fe86f6f" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CondensedConsolidatedStatementsOfComprehensiveIncomeUnauditedParenthetical" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CoverPage" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/DebtObligations" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/DebtObligationsDetails" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/DividendRestrictions" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/DividendRestrictionsDetails" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/EarningsPerShareEps" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/EarningsPerShareEpsDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_3b4f95d0-4de5-2b2f-e2ec-91daf63ca50c" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_f60858b4-cb31-daa2-3699-140a0e3df912" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_3b4f95d0-4de5-2b2f-e2ec-91daf63ca50c" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_f60858b4-cb31-daa2-3699-140a0e3df912" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToNonvestedSharesWithForfeitableDividends" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToNonvestedSharesWithForfeitableDividends_13d82384-d2e1-c7a9-5fbb-bbd670f1d9dd" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_3b4f95d0-4de5-2b2f-e2ec-91daf63ca50c" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToNonvestedSharesWithForfeitableDividends_13d82384-d2e1-c7a9-5fbb-bbd670f1d9dd" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/EarningsPerShareEpsDetails2" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/EarningsPerShareEpsTables" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/FairValueOfFinancialInstruments" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/FairValueOfFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_f6e033ad-7025-b6e1-c62b-b572fe209bf1" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_17e567b0-4e77-385a-6ce4-0f470bbb70c3" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_f6e033ad-7025-b6e1-c62b-b572fe209bf1" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_17e567b0-4e77-385a-6ce4-0f470bbb70c3" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/FairValueOfFinancialInstrumentsTables" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/IncomeTaxes" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/IncomeTaxesDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_93fd3edf-6334-eee5-46a3-8cd2bed4e1cb" xlink:type="locator" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_EffectiveIncomeTaxRateReconciliationAtWeightedAverageStatutoryIncomeTaxRate" xlink:label="loc_esnt_EffectiveIncomeTaxRateReconciliationAtWeightedAverageStatutoryIncomeTaxRate_972ce8ac-4fb9-8d8f-6739-796552cc9953" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_93fd3edf-6334-eee5-46a3-8cd2bed4e1cb" xlink:to="loc_esnt_EffectiveIncomeTaxRateReconciliationAtWeightedAverageStatutoryIncomeTaxRate_972ce8ac-4fb9-8d8f-6739-796552cc9953" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent_80029408-041e-c415-c740-086534683585" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_93fd3edf-6334-eee5-46a3-8cd2bed4e1cb" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent_80029408-041e-c415-c740-086534683585" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateTaxExemptIncome" xlink:label="loc_esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateTaxExemptIncome_3680726f-b416-7781-7e4d-796552bd5bcc" xlink:type="locator" />
    <link:calculationArc order="3" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_93fd3edf-6334-eee5-46a3-8cd2bed4e1cb" xlink:to="loc_esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateTaxExemptIncome_3680726f-b416-7781-7e4d-796552bd5bcc" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateNondeductibleExpense" xlink:label="loc_esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateNondeductibleExpense_16749494-655f-f954-0458-7965526cf9f0" xlink:type="locator" />
    <link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_93fd3edf-6334-eee5-46a3-8cd2bed4e1cb" xlink:to="loc_esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateNondeductibleExpense_16749494-655f-f954-0458-7965526cf9f0" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateOtherAdjustments" xlink:label="loc_esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateOtherAdjustments_d598d626-cb41-8903-8996-7965527eb7e0" xlink:type="locator" />
    <link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_93fd3edf-6334-eee5-46a3-8cd2bed4e1cb" xlink:to="loc_esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateOtherAdjustments_d598d626-cb41-8903-8996-7965527eb7e0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_6a75c878-dfaf-e368-936e-ce293fe86f6f" xlink:type="locator" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate" xlink:label="loc_esnt_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate_3cdd8c16-0eaa-126b-fe1c-7965526c9fe0" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_6a75c878-dfaf-e368-936e-ce293fe86f6f" xlink:to="loc_esnt_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate_3cdd8c16-0eaa-126b-fe1c-7965526c9fe0" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateNondeductibleExpense" xlink:label="loc_esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateNondeductibleExpense_21d054c6-e9f6-84ee-9ae0-796552dcf85c" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_6a75c878-dfaf-e368-936e-ce293fe86f6f" xlink:to="loc_esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateNondeductibleExpense_21d054c6-e9f6-84ee-9ae0-796552dcf85c" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_894dcc6b-8823-dd23-0243-c58853b62ab0" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_6a75c878-dfaf-e368-936e-ce293fe86f6f" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_894dcc6b-8823-dd23-0243-c58853b62ab0" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateTaxExemptIncome" xlink:label="loc_esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateTaxExemptIncome_5168d93a-2f35-6eef-da8b-7965526ca6de" xlink:type="locator" />
    <link:calculationArc order="4" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_6a75c878-dfaf-e368-936e-ce293fe86f6f" xlink:to="loc_esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateTaxExemptIncome_5168d93a-2f35-6eef-da8b-7965526ca6de" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateOtherAdjustments" xlink:label="loc_esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateOtherAdjustments_b4b53680-17ec-2260-abed-7965528a6cf7" xlink:type="locator" />
    <link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_6a75c878-dfaf-e368-936e-ce293fe86f6f" xlink:to="loc_esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateOtherAdjustments_b4b53680-17ec-2260-abed-7965528a6cf7" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/IncomeTaxesDetails2" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxLiabilities" xlink:label="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:type="locator" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_DeferredTaxLiabilitiesContingencyReserves" xlink:label="loc_esnt_DeferredTaxLiabilitiesContingencyReserves_c7926272-178d-41be-0fbe-7965527ea859" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_esnt_DeferredTaxLiabilitiesContingencyReserves_c7926272-178d-41be-0fbe-7965527ea859" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsUnearnedPremiumsReserve" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsUnearnedPremiumsReserve_35d4e77d-cf5f-f605-1e62-50db7e9ef409" xlink:type="locator" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsUnearnedPremiumsReserve_35d4e77d-cf5f-f605-1e62-50db7e9ef409" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities_2367e3a7-b896-dc2e-139c-a8920eb6ae4f" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities_2367e3a7-b896-dc2e-139c-a8920eb6ae4f" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" xlink:label="loc_esnt_DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_c63e30ef-b2bb-11bb-d99a-7965528a6a26" xlink:type="locator" />
    <link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_esnt_DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_c63e30ef-b2bb-11bb-d99a-7965528a6a26" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCost" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCost_1c6e75f3-9344-f4e2-c7b5-fdce17ef8448" xlink:type="locator" />
    <link:calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCost_1c6e75f3-9344-f4e2-c7b5-fdce17ef8448" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_DeferredTaxAssetsDeferredExpenseUnearnedCedingCommissions" xlink:label="loc_esnt_DeferredTaxAssetsDeferredExpenseUnearnedCedingCommissions_fada8135-115f-c338-759f-796552cca841" xlink:type="locator" />
    <link:calculationArc order="6" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_esnt_DeferredTaxAssetsDeferredExpenseUnearnedCedingCommissions_fada8135-115f-c338-759f-796552cca841" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" xlink:label="loc_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment_1c239fdf-e67b-eafa-5a92-94bbc213e8be" xlink:type="locator" />
    <link:calculationArc order="7" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment_1c239fdf-e67b-eafa-5a92-94bbc213e8be" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_DeferredTaxAssetsStartUpExpensesNet" xlink:label="loc_esnt_DeferredTaxAssetsStartUpExpensesNet_2b8356f7-6ee8-51c4-35c2-796552ab8936" xlink:type="locator" />
    <link:calculationArc order="8" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_esnt_DeferredTaxAssetsStartUpExpensesNet_2b8356f7-6ee8-51c4-35c2-796552ab8936" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsDerivativeInstruments" xlink:label="loc_us-gaap_DeferredTaxAssetsDerivativeInstruments_c0640e82-9c5c-da5d-be9e-f6a7568ab5eb" xlink:type="locator" />
    <link:calculationArc order="9" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_us-gaap_DeferredTaxAssetsDerivativeInstruments_c0640e82-9c5c-da5d-be9e-f6a7568ab5eb" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves_65fa8723-ce6b-38af-3030-747606c6ed16" xlink:type="locator" />
    <link:calculationArc order="10" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves_65fa8723-ce6b-38af-3030-747606c6ed16" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost_5e9d5f9f-1caf-4154-2abb-b30812ff970e" xlink:type="locator" />
    <link:calculationArc order="11" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost_5e9d5f9f-1caf-4154-2abb-b30812ff970e" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxLiabilitiesInvestments" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesInvestments_ae41c0e1-30b9-f646-cfcb-8e64f32f3040" xlink:type="locator" />
    <link:calculationArc order="12" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesInvestments_ae41c0e1-30b9-f646-cfcb-8e64f32f3040" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxLiabilitiesPrepaidExpenses" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_a1c2fd86-628b-2f01-dd76-cd6f5439309b" xlink:type="locator" />
    <link:calculationArc order="13" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_a1c2fd86-628b-2f01-dd76-cd6f5439309b" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_DeferredTaxLiabilityTaxCutsAndJobsAct" xlink:label="loc_esnt_DeferredTaxLiabilityTaxCutsAndJobsAct_93c6c6e0-b79a-f987-2fc7-796552cca121" xlink:type="locator" />
    <link:calculationArc order="14" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_esnt_DeferredTaxLiabilityTaxCutsAndJobsAct_93c6c6e0-b79a-f987-2fc7-796552cca121" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_DeferredTaxAssetsOrganizationalExpenses" xlink:label="loc_esnt_DeferredTaxAssetsOrganizationalExpenses_77e9a126-3cfe-f191-6a0e-796552bd2ef7" xlink:type="locator" />
    <link:calculationArc order="15" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_esnt_DeferredTaxAssetsOrganizationalExpenses_77e9a126-3cfe-f191-6a0e-796552bd2ef7" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/IncomeTaxesDetails2Calc2" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxLiabilities" xlink:label="loc_us-gaap_DeferredTaxLiabilities_19B3A6BB867E7F7582B27965DC555756_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsGross" xlink:label="loc_us-gaap_DeferredTaxAssetsGross_19B3A6BB867E7F7582B27965DC555756_7e41d511-b24a-32b9-b40b-50e97bc073c8" xlink:type="locator" />
    <link:calculationArc order="1" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_19B3A6BB867E7F7582B27965DC555756_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_us-gaap_DeferredTaxAssetsGross_19B3A6BB867E7F7582B27965DC555756_7e41d511-b24a-32b9-b40b-50e97bc073c8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilities" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities_19B3A6BB867E7F7582B27965DC555756_21ae8ad8-f66d-202f-9d71-5681f4f2b7ef" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_19B3A6BB867E7F7582B27965DC555756_aaf42fc7-a6ad-75e4-2d48-6e59cc297b47" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilities_19B3A6BB867E7F7582B27965DC555756_21ae8ad8-f66d-202f-9d71-5681f4f2b7ef" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/IncomeTaxesDetails3" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/IncomeTaxesDetailsCalc2" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_89F1C825A3FD24F1043D7965DB618063_6a75c878-dfaf-e368-936e-ce293fe86f6f" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_89F1C825A3FD24F1043D7965DB618063_e64ce807-b602-bc51-7ea1-c0d1711761a2" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_89F1C825A3FD24F1043D7965DB618063_6a75c878-dfaf-e368-936e-ce293fe86f6f" xlink:to="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_89F1C825A3FD24F1043D7965DB618063_e64ce807-b602-bc51-7ea1-c0d1711761a2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_89F1C825A3FD24F1043D7965DB618063_282d8de6-1466-4351-6593-66c6a3dfd2f5" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_89F1C825A3FD24F1043D7965DB618063_6a75c878-dfaf-e368-936e-ce293fe86f6f" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_89F1C825A3FD24F1043D7965DB618063_282d8de6-1466-4351-6593-66c6a3dfd2f5" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/IncomeTaxesTables" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/Investments" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_8eb340c5-931d-6039-6a0a-c6ca66e2f0f9" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_a837b31e-1400-d592-c167-ead1d80d260e" xlink:type="locator" />
    <link:calculationArc order="1" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_8eb340c5-931d-6039-6a0a-c6ca66e2f0f9" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_a837b31e-1400-d592-c167-ead1d80d260e" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_7ef772ef-d0a5-977b-06d1-931f4da1f4a0" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_8eb340c5-931d-6039-6a0a-c6ca66e2f0f9" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_7ef772ef-d0a5-977b-06d1-931f4da1f4a0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtSecuritiesTradingAndAvailableForSale" xlink:label="loc_us-gaap_DebtSecuritiesTradingAndAvailableForSale_a6c3f164-c3ad-d686-590c-ff16e8e61464" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_8eb340c5-931d-6039-6a0a-c6ca66e2f0f9" xlink:to="loc_us-gaap_DebtSecuritiesTradingAndAvailableForSale_a6c3f164-c3ad-d686-590c-ff16e8e61464" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsDetails2" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsDetails3" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_fa59a6be-a407-3753-bab0-8d181d34510f" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_15eb9f4d-329a-ba4e-301c-d65d8c37a3a5" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_fa59a6be-a407-3753-bab0-8d181d34510f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_15eb9f4d-329a-ba4e-301c-d65d8c37a3a5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_6fe996cf-6e19-b0a5-e806-88b529cfdf8f" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_fa59a6be-a407-3753-bab0-8d181d34510f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_6fe996cf-6e19-b0a5-e806-88b529cfdf8f" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_658c929c-f217-4f25-cddf-a130a6dfe0b4" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_fa59a6be-a407-3753-bab0-8d181d34510f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_658c929c-f217-4f25-cddf-a130a6dfe0b4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_2a8d2828-387d-8261-767a-26723bd97f9d" xlink:type="locator" />
    <link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_fa59a6be-a407-3753-bab0-8d181d34510f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_2a8d2828-387d-8261-767a-26723bd97f9d" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_94e046a3-c688-0dfc-6bd9-8343701a6fd9" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_3fb8167d-9829-9277-bc08-34d8e753ddd5" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_94e046a3-c688-0dfc-6bd9-8343701a6fd9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_3fb8167d-9829-9277-bc08-34d8e753ddd5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_62aac6ce-259e-1fff-744c-5a5a55433d2f" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_94e046a3-c688-0dfc-6bd9-8343701a6fd9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_62aac6ce-259e-1fff-744c-5a5a55433d2f" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_34daadee-73b7-f7e2-11e4-dd570e1a0f3b" xlink:type="locator" />
    <link:calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_94e046a3-c688-0dfc-6bd9-8343701a6fd9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_34daadee-73b7-f7e2-11e4-dd570e1a0f3b" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_768d77be-045b-2a6c-470a-93fc3921273d" xlink:type="locator" />
    <link:calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_94e046a3-c688-0dfc-6bd9-8343701a6fd9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_768d77be-045b-2a6c-470a-93fc3921273d" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsDetails4" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_155985f8-7b6d-0aa0-0f05-95fe24f37864" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_6e7ceb6f-8f39-14fd-f26d-a2b9eef12c9c" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_155985f8-7b6d-0aa0-0f05-95fe24f37864" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_6e7ceb6f-8f39-14fd-f26d-a2b9eef12c9c" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_b8b17532-5a3c-8efa-3164-c3fe0ee82af1" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_155985f8-7b6d-0aa0-0f05-95fe24f37864" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_b8b17532-5a3c-8efa-3164-c3fe0ee82af1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_b740f2cc-0e07-17c2-b947-736fbd950d05" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_a9656e70-9c22-d140-a596-1e6e847baa4f" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_b740f2cc-0e07-17c2-b947-736fbd950d05" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_a9656e70-9c22-d140-a596-1e6e847baa4f" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_24831fff-8746-ea0c-a858-a68fd0bf583d" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_b740f2cc-0e07-17c2-b947-736fbd950d05" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_24831fff-8746-ea0c-a858-a68fd0bf583d" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsDetails5" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetInvestmentIncome" xlink:label="loc_us-gaap_NetInvestmentIncome_476690a9-dbc4-adef-ef7c-c1006992bc6c" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GrossInvestmentIncomeOperating" xlink:label="loc_us-gaap_GrossInvestmentIncomeOperating_b9d0b6b1-19f5-19a9-2192-b466f557593b" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetInvestmentIncome_476690a9-dbc4-adef-ef7c-c1006992bc6c" xlink:to="loc_us-gaap_GrossInvestmentIncomeOperating_b9d0b6b1-19f5-19a9-2192-b466f557593b" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentIncomeInvestmentExpense" xlink:label="loc_us-gaap_InvestmentIncomeInvestmentExpense_b439b8ab-979b-fbee-fb08-5918fba16fc5" xlink:type="locator" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetInvestmentIncome_476690a9-dbc4-adef-ef7c-c1006992bc6c" xlink:to="loc_us-gaap_InvestmentIncomeInvestmentExpense_b439b8ab-979b-fbee-fb08-5918fba16fc5" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsTables" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/NatureOfOperationsAndBasisOfPresentation" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/NatureOfOperationsAndBasisOfPresentationDetails" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/RecentlyIssuedAccountingStandards" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/RecentlyIssuedAccountingStandardsPolicies" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/Reinsurance" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReinsuranceDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PremiumsEarnedNet" xlink:label="loc_us-gaap_PremiumsEarnedNet_63479266-0f5f-d854-aa7b-9460736a713f" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DirectPremiumsEarned" xlink:label="loc_us-gaap_DirectPremiumsEarned_0104a3d3-1cdc-d458-a2f2-23f444cfe508" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_63479266-0f5f-d854-aa7b-9460736a713f" xlink:to="loc_us-gaap_DirectPremiumsEarned_0104a3d3-1cdc-d458-a2f2-23f444cfe508" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CededPremiumsEarned" xlink:label="loc_us-gaap_CededPremiumsEarned_9f4f6483-0a95-58d5-7f2d-1ecacdb410fb" xlink:type="locator" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_63479266-0f5f-d854-aa7b-9460736a713f" xlink:to="loc_us-gaap_CededPremiumsEarned_9f4f6483-0a95-58d5-7f2d-1ecacdb410fb" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PremiumsWrittenNet" xlink:label="loc_us-gaap_PremiumsWrittenNet_3e2cacb5-1858-11a0-1224-5c6343bbeb88" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DirectPremiumsWritten" xlink:label="loc_us-gaap_DirectPremiumsWritten_8a14fb47-e9bd-f2e4-d359-d85d30beb83a" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsWrittenNet_3e2cacb5-1858-11a0-1224-5c6343bbeb88" xlink:to="loc_us-gaap_DirectPremiumsWritten_8a14fb47-e9bd-f2e4-d359-d85d30beb83a" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CededPremiumsWritten" xlink:label="loc_us-gaap_CededPremiumsWritten_7823dc0b-3a7c-ece9-691f-215cfd3fcd2a" xlink:type="locator" />
    <link:calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsWrittenNet_3e2cacb5-1858-11a0-1224-5c6343bbeb88" xlink:to="loc_us-gaap_CededPremiumsWritten_7823dc0b-3a7c-ece9-691f-215cfd3fcd2a" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReinsuranceDetails2" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReinsuranceDetails3" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReinsuranceDetails4" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReinsuranceDetails5" xlink:type="extended">
    <link:loc xlink:href="esnt-20200630.xsd#esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount" xlink:label="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount_3ddaf722-692a-1027-7d0a-796552ab2a82" xlink:type="locator" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet" xlink:label="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet_37b22cef-ee4b-0dc5-1fdd-796552cc4dcb" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount_3ddaf722-692a-1027-7d0a-796552ab2a82" xlink:to="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet_37b22cef-ee4b-0dc5-1fdd-796552cc4dcb" xlink:type="arc" />
    <link:loc xlink:href="esnt-20200630.xsd#esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet" xlink:label="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet_bafcf21e-b2ee-553a-9a09-7965528a0d3d" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount_3ddaf722-692a-1027-7d0a-796552ab2a82" xlink:to="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet_bafcf21e-b2ee-553a-9a09-7965528a0d3d" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReinsuranceTables" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReserveForLossesAndLossAdjustmentExpenses" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReserveForLossesAndLossAdjustmentExpensesDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsForLossesAndLossAdjustmentExpense" xlink:label="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_81c5c53f-3369-8b6a-c0ec-e969d919e4ff" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_92da6bdc-e87a-b902-b65f-f9d3b35eefab" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_81c5c53f-3369-8b6a-c0ec-e969d919e4ff" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_92da6bdc-e87a-b902-b65f-f9d3b35eefab" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_4472cb25-567f-c7c2-60c9-2da4c2980999" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_81c5c53f-3369-8b6a-c0ec-e969d919e4ff" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_4472cb25-567f-c7c2-60c9-2da4c2980999" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_dd3887cf-75b0-b682-75f2-8c7d656895cf" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_eefaee3b-2ff8-36a4-6a16-a2f303347164" xlink:type="locator" />
    <link:calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_dd3887cf-75b0-b682-75f2-8c7d656895cf" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_eefaee3b-2ff8-36a4-6a16-a2f303347164" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_267ff1f5-188c-e538-3998-708d2a5be143" xlink:type="locator" />
    <link:calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_dd3887cf-75b0-b682-75f2-8c7d656895cf" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_267ff1f5-188c-e538-3998-708d2a5be143" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReserveForLossesAndLossAdjustmentExpensesDetails2" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReserveForLossesAndLossAdjustmentExpensesTables" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/StatutoryAccounting" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/StatutoryAccountingDetails" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/StatutoryAccountingTables" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/StockBasedCompensation" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/StockBasedCompensationDetails" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/StockBasedCompensationDetails2" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/StockBasedCompensationDetails3" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/StockBasedCompensationDetails4" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/StockBasedCompensationDetails5" xlink:type="extended" />
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/StockBasedCompensationTables" xlink:type="extended" />
</link:linkbase>
