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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:af6d69c2-0465-4d35-97fd-94e06f0eeab6,g:0f1eca17-e791-415e-9997-58ebaf417123-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.essentgroup.com/role/ConsolidatedBalanceSheets" xlink:type="simple" xlink:href="esnt-20251231.xsd#ConsolidatedBalanceSheets"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ConsolidatedBalanceSheets" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_80f9c14e-31bc-4f29-9394-1296618f346d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Investments"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_9307b617-5268-4d31-bd86-20ec03c25940" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_80f9c14e-31bc-4f29-9394-1296618f346d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_9307b617-5268-4d31-bd86-20ec03c25940" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestments_388c0baa-f6f0-49b1-9407-26ffe9e94f10" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_80f9c14e-31bc-4f29-9394-1296618f346d" xlink:to="loc_us-gaap_EquityMethodInvestments_388c0baa-f6f0-49b1-9407-26ffe9e94f10" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_114e3c26-da8e-4c3c-bfd0-3419455f9dd4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_d2359559-37cc-4639-9637-8ffbb0b88929" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Investments"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_114e3c26-da8e-4c3c-bfd0-3419455f9dd4" xlink:to="loc_us-gaap_Investments_d2359559-37cc-4639-9637-8ffbb0b88929" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Cash_87705e1b-a0da-40e5-863f-f4d2014c067e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Cash"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_114e3c26-da8e-4c3c-bfd0-3419455f9dd4" xlink:to="loc_us-gaap_Cash_87705e1b-a0da-40e5-863f-f4d2014c067e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedInvestmentIncomeReceivable_b0f4aeb1-9d6f-4764-943e-e18fa86e66ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccruedInvestmentIncomeReceivable"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_114e3c26-da8e-4c3c-bfd0-3419455f9dd4" xlink:to="loc_us-gaap_AccruedInvestmentIncomeReceivable_b0f4aeb1-9d6f-4764-943e-e18fa86e66ed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_6f97ec60-1f52-449e-a7c0-3390fc80affe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotesReceivableNet"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_114e3c26-da8e-4c3c-bfd0-3419455f9dd4" xlink:to="loc_us-gaap_NotesReceivableNet_6f97ec60-1f52-449e-a7c0-3390fc80affe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCosts_e959406d-8484-43ec-8d4d-405e7a4ec491" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredPolicyAcquisitionCosts"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_114e3c26-da8e-4c3c-bfd0-3419455f9dd4" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCosts_e959406d-8484-43ec-8d4d-405e7a4ec491" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_6f8f2039-92ff-41df-8eb0-835753aa282f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_114e3c26-da8e-4c3c-bfd0-3419455f9dd4" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_6f8f2039-92ff-41df-8eb0-835753aa282f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds_6e72feac-91ba-4b5a-8560-9d2dd3dd749b" xlink:href="esnt-20251231.xsd#esnt_MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_114e3c26-da8e-4c3c-bfd0-3419455f9dd4" xlink:to="loc_esnt_MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds_6e72feac-91ba-4b5a-8560-9d2dd3dd749b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_347ec0eb-7e6f-4c83-8243-009ada46aedb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_114e3c26-da8e-4c3c-bfd0-3419455f9dd4" xlink:to="loc_us-gaap_OtherAssets_347ec0eb-7e6f-4c83-8243-009ada46aedb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_e9891325-1ec1-43ee-8ecc-ea664ec813a1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_114e3c26-da8e-4c3c-bfd0-3419455f9dd4" xlink:to="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_e9891325-1ec1-43ee-8ecc-ea664ec813a1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_1e46e8f3-71d7-48ef-8074-f5bafda60784" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_d844b39a-e844-4010-9f30-5dd456ab9c34" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_1e46e8f3-71d7-48ef-8074-f5bafda60784" xlink:to="loc_us-gaap_CommonStockValue_d844b39a-e844-4010-9f30-5dd456ab9c34" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalCommonStock_4494d564-a381-49bd-8e4e-fecebd5c85de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapitalCommonStock"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_1e46e8f3-71d7-48ef-8074-f5bafda60784" xlink:to="loc_us-gaap_AdditionalPaidInCapitalCommonStock_4494d564-a381-49bd-8e4e-fecebd5c85de" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2c4f046c-ab12-4482-8da1-7b830bb2c37a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_1e46e8f3-71d7-48ef-8074-f5bafda60784" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2c4f046c-ab12-4482-8da1-7b830bb2c37a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_74a1cc6b-0984-4358-9fde-c4befb5d5730" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_1e46e8f3-71d7-48ef-8074-f5bafda60784" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_74a1cc6b-0984-4358-9fde-c4befb5d5730" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_9ead8688-aac8-4266-9113-8b52abba0974" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_62b15624-3146-4baa-ad37-2a08807e0cea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_9ead8688-aac8-4266-9113-8b52abba0974" xlink:to="loc_us-gaap_Liabilities_62b15624-3146-4baa-ad37-2a08807e0cea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_990e7f6e-48d9-4f6d-bcc8-6419cfe1eb15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_9ead8688-aac8-4266-9113-8b52abba0974" xlink:to="loc_us-gaap_CommitmentsAndContingencies_990e7f6e-48d9-4f6d-bcc8-6419cfe1eb15" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_2955f353-509b-467e-91fe-97be79a63be3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_9ead8688-aac8-4266-9113-8b52abba0974" xlink:to="loc_us-gaap_StockholdersEquity_2955f353-509b-467e-91fe-97be79a63be3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_10bba978-d412-4b6e-bd89-fc31d2b0e7ad" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_259001b7-4886-4d32-934d-18842063b0e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_10bba978-d412-4b6e-bd89-fc31d2b0e7ad" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_259001b7-4886-4d32-934d-18842063b0e7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnearnedPremiums_4d5cb91e-ac06-4aab-9c12-75d4ce510c73" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnearnedPremiums"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_10bba978-d412-4b6e-bd89-fc31d2b0e7ad" xlink:to="loc_us-gaap_UnearnedPremiums_4d5cb91e-ac06-4aab-9c12-75d4ce510c73" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilitiesNet_c2f4bf4e-3596-40f1-a514-2eb48080082d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxLiabilitiesNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_10bba978-d412-4b6e-bd89-fc31d2b0e7ad" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilitiesNet_c2f4bf4e-3596-40f1-a514-2eb48080082d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeniorNotes_702d840c-f9bd-4930-a176-b6ed7a4e2217" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeniorNotes"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_10bba978-d412-4b6e-bd89-fc31d2b0e7ad" xlink:to="loc_us-gaap_SeniorNotes_702d840c-f9bd-4930-a176-b6ed7a4e2217" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_019c5dcc-3f92-736a-b38a-05c5af335f56" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_10bba978-d412-4b6e-bd89-fc31d2b0e7ad" xlink:to="loc_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_019c5dcc-3f92-736a-b38a-05c5af335f56" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/ConsolidatedStatementsofComprehensiveIncome" xlink:type="simple" xlink:href="esnt-20251231.xsd#ConsolidatedStatementsofComprehensiveIncome"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ConsolidatedStatementsofComprehensiveIncome" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_9d704873-4a6c-414a-99db-0f58c7d80a61" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_60921277-454d-43ff-8c00-f844e051d6d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_9d704873-4a6c-414a-99db-0f58c7d80a61" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_60921277-454d-43ff-8c00-f844e051d6d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_OtherUnderwritingAndOperatingExpenses_301f2297-651b-40b3-930c-acc5d7fd27da" xlink:href="esnt-20251231.xsd#esnt_OtherUnderwritingAndOperatingExpenses"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_9d704873-4a6c-414a-99db-0f58c7d80a61" xlink:to="loc_esnt_OtherUnderwritingAndOperatingExpenses_301f2297-651b-40b3-930c-acc5d7fd27da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_ae90f361-079f-4eb5-899e-295186bfe768" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_9d704873-4a6c-414a-99db-0f58c7d80a61" xlink:to="loc_us-gaap_InterestExpenseOperating_ae90f361-079f-4eb5-899e-295186bfe768" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdministrativeFeesExpense_297778b9-cfb4-43e3-9db3-ba9eb5a41b47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdministrativeFeesExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_9d704873-4a6c-414a-99db-0f58c7d80a61" xlink:to="loc_us-gaap_AdministrativeFeesExpense_297778b9-cfb4-43e3-9db3-ba9eb5a41b47" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCostAndExpenseOperating_e75f0e5e-c8c2-440f-9d8f-0dde21cde2bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCostAndExpenseOperating"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_9d704873-4a6c-414a-99db-0f58c7d80a61" xlink:to="loc_us-gaap_OtherCostAndExpenseOperating_e75f0e5e-c8c2-440f-9d8f-0dde21cde2bd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_03dc8747-641c-4238-8cd5-f174ffb66d65" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_3f815dc9-6b10-4c5b-977c-3c265b553a8e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_03dc8747-641c-4238-8cd5-f174ffb66d65" xlink:to="loc_us-gaap_Revenues_3f815dc9-6b10-4c5b-977c-3c265b553a8e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_d39cacc9-f1fd-4c3f-92f1-73b9ba05a71a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_03dc8747-641c-4238-8cd5-f174ffb66d65" xlink:to="loc_us-gaap_BenefitsLossesAndExpenses_d39cacc9-f1fd-4c3f-92f1-73b9ba05a71a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_b10be656-bf93-4688-855c-67f807288047" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_cadb6aba-f2ad-44fc-b3f9-e05589379883" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_b10be656-bf93-4688-855c-67f807288047" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_cadb6aba-f2ad-44fc-b3f9-e05589379883" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_a9b56646-0982-4ff3-b9f3-d4bb91e2e93c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_4d3070eb-aec5-4678-8120-84e943b46f9c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_a9b56646-0982-4ff3-b9f3-d4bb91e2e93c" xlink:to="loc_us-gaap_NetIncomeLoss_4d3070eb-aec5-4678-8120-84e943b46f9c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_2f4ebda4-60da-4a26-b18b-03051436e166" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_a9b56646-0982-4ff3-b9f3-d4bb91e2e93c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_2f4ebda4-60da-4a26-b18b-03051436e166" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_43fc92ff-ce5a-4503-a1e1-8eef22681619" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsWrittenNet_aca17894-f285-4780-9d65-552417fc5042" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsWrittenNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_43fc92ff-ce5a-4503-a1e1-8eef22681619" xlink:to="loc_us-gaap_PremiumsWrittenNet_aca17894-f285-4780-9d65-552417fc5042" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInUnearnedPremiumsNet_f87278b1-ff67-443f-9be2-b9bf0540ecfb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiumsNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_43fc92ff-ce5a-4503-a1e1-8eef22681619" xlink:to="loc_us-gaap_IncreaseDecreaseInUnearnedPremiumsNet_f87278b1-ff67-443f-9be2-b9bf0540ecfb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_33517497-0273-4426-8d57-bbbd65f2969b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_07b315ca-8dae-4cee-8b46-f4b4a0f91e96" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_33517497-0273-4426-8d57-bbbd65f2969b" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_07b315ca-8dae-4cee-8b46-f4b4a0f91e96" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_81f57d90-60bf-4372-87c8-25540568f20c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_33517497-0273-4426-8d57-bbbd65f2969b" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_81f57d90-60bf-4372-87c8-25540568f20c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_f7af68a6-a6f0-47a3-93ed-a0d1542ca2b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_33517497-0273-4426-8d57-bbbd65f2969b" xlink:to="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_f7af68a6-a6f0-47a3-93ed-a0d1542ca2b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_4a608473-865b-4049-9198-503126763134" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_8a6c08bc-2374-4a17-81b2-1b7f28d24c81" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_4a608473-865b-4049-9198-503126763134" xlink:to="loc_us-gaap_PremiumsEarnedNet_8a6c08bc-2374-4a17-81b2-1b7f28d24c81" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_58a6cc45-2530-49ab-a644-b5f9279d2888" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetInvestmentIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_4a608473-865b-4049-9198-503126763134" xlink:to="loc_us-gaap_NetInvestmentIncome_58a6cc45-2530-49ab-a644-b5f9279d2888" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_a50aec5f-6c14-4a8d-851f-08b7e2632799" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_4a608473-865b-4049-9198-503126763134" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_a50aec5f-6c14-4a8d-851f-08b7e2632799" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_708b6259-c47a-4c64-b9fd-83fd88f7459e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_4a608473-865b-4049-9198-503126763134" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_708b6259-c47a-4c64-b9fd-83fd88f7459e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncome_580d017b-2db9-4df9-aace-37d741734f60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherIncome"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_4a608473-865b-4049-9198-503126763134" xlink:to="loc_us-gaap_OtherIncome_580d017b-2db9-4df9-aace-37d741734f60" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentForAdministrativeFees_07e99c8e-4989-4908-99d0-01e35e30531e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentForAdministrativeFees"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_4a608473-865b-4049-9198-503126763134" xlink:to="loc_us-gaap_PaymentForAdministrativeFees_07e99c8e-4989-4908-99d0-01e35e30531e" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/ConsolidatedStatementsofCashFlows" xlink:type="simple" xlink:href="esnt-20251231.xsd#ConsolidatedStatementsofCashFlows"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ConsolidatedStatementsofCashFlows" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_7c757ad8-d17b-482d-833d-f2f0f57dde22" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfSeniorLongTermDebt_87f8a9fc-9e04-42d8-9d7f-d41092151e22" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceOfSeniorLongTermDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_7c757ad8-d17b-482d-833d-f2f0f57dde22" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfSeniorLongTermDebt_87f8a9fc-9e04-42d8-9d7f-d41092151e22" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLinesOfCredit_562e78b4-3f51-4168-a887-f79e655cd9ce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfLinesOfCredit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_7c757ad8-d17b-482d-833d-f2f0f57dde22" xlink:to="loc_us-gaap_RepaymentsOfLinesOfCredit_562e78b4-3f51-4168-a887-f79e655cd9ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_0d30c38e-26c4-4b9a-80e7-5af93c331b57" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_7c757ad8-d17b-482d-833d-f2f0f57dde22" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_0d30c38e-26c4-4b9a-80e7-5af93c331b57" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_fae4d626-ba7d-4231-9d83-685278514828" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_7c757ad8-d17b-482d-833d-f2f0f57dde22" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_fae4d626-ba7d-4231-9d83-685278514828" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_837a6b10-033e-448d-9f44-84373f3d5ccb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_7c757ad8-d17b-482d-833d-f2f0f57dde22" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_837a6b10-033e-448d-9f44-84373f3d5ccb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_558c213e-3a3c-4e69-9c6d-ef5b4f608563" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_3d74df47-46a4-4e89-acd1-5d4cf6d487d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_558c213e-3a3c-4e69-9c6d-ef5b4f608563" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_3d74df47-46a4-4e89-acd1-5d4cf6d487d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_9623fbdf-de3d-4dc7-a9f7-74fc748f9680" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_558c213e-3a3c-4e69-9c6d-ef5b4f608563" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_9623fbdf-de3d-4dc7-a9f7-74fc748f9680" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_6085f30d-9ed0-49c3-a39e-68e3de8328f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_558c213e-3a3c-4e69-9c6d-ef5b4f608563" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_6085f30d-9ed0-49c3-a39e-68e3de8328f4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_d8aa049b-49bf-4a64-9916-a84c9f30ed87" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_d8aa049b-49bf-4a64-9916-a84c9f30ed87" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds_aa37be54-188a-43f7-a2dd-c100357b9feb" xlink:href="esnt-20251231.xsd#esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds_aa37be54-188a-43f7-a2dd-c100357b9feb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeAmortizationOfPremium_82eff1dd-7b95-4b38-9f77-1bc82d80c96c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentIncomeAmortizationOfPremium"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_InvestmentIncomeAmortizationOfPremium_82eff1dd-7b95-4b38-9f77-1bc82d80c96c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_42d595c8-32e0-4a6c-9cb6-33afaa2486fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_42d595c8-32e0-4a6c-9cb6-33afaa2486fa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInUnearnedPremiums_ba1f9c5a-bb21-4a42-a993-780142a92c9c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiums"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_IncreaseDecreaseInUnearnedPremiums_ba1f9c5a-bb21-4a42-a993-780142a92c9c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_102dc235-f88f-4d05-ad81-bb91bb1e691e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_102dc235-f88f-4d05-ad81-bb91bb1e691e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_a585acba-64f4-4e65-9c8e-2bcaaa64d3c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable_a585acba-64f4-4e65-9c8e-2bcaaa64d3c3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_dc780699-ec52-4460-bdcb-7f4f390c84b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_ShareBasedCompensation_dc780699-ec52-4460-bdcb-7f4f390c84b4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_5305e1e7-a96c-49a9-84ce-14d02c3f0b14" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_5305e1e7-a96c-49a9-84ce-14d02c3f0b14" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_b1a12559-5288-477e-8d70-f465c88703dc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_b1a12559-5288-477e-8d70-f465c88703dc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve_a9a88785-9603-4521-8f31-943c8aa299fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve_a9a88785-9603-4521-8f31-943c8aa299fb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_263ce4ba-9578-4382-8bf1-aadda7df7961" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilities"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_263ce4ba-9578-4382-8bf1-aadda7df7961" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_cfe4b7ae-4e41-4f6d-9328-1458fb878a64" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_NetIncomeLoss_cfe4b7ae-4e41-4f6d-9328-1458fb878a64" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestmentDividendsOrDistributions_774aadd9-01e4-4aaa-8489-012082f504a3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestmentDividendsOrDistributions"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_EquityMethodInvestmentDividendsOrDistributions_774aadd9-01e4-4aaa-8489-012082f504a3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_53cbb78c-90ab-4f73-be14-193444fccde3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:calculationArc order="15" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_53cbb78c-90ab-4f73-be14-193444fccde3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_c2724991-898d-4ee4-ba93-6b02224c1f6d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="16" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_c2724991-898d-4ee4-ba93-6b02224c1f6d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_019c03f3-9b87-7052-bff4-37e37ae01b15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment"/>
    <link:calculationArc order="17" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7c9fe8c0-bc7a-4d33-9efc-8c07e0a729a7" xlink:to="loc_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_019c03f3-9b87-7052-bff4-37e37ae01b15" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_8ef4d1e9-219b-4bcb-9cca-d9a52c6d0be3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_761c70a2-345a-4f1e-9cd1-764345074657" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_8ef4d1e9-219b-4bcb-9cca-d9a52c6d0be3" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_761c70a2-345a-4f1e-9cd1-764345074657" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_2dda7d47-6994-41cb-a8bd-fb27fb7ca3cb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_8ef4d1e9-219b-4bcb-9cca-d9a52c6d0be3" xlink:to="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_2dda7d47-6994-41cb-a8bd-fb27fb7ca3cb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_9925dbec-e5fc-472e-977a-0015a4ead199" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_8ef4d1e9-219b-4bcb-9cca-d9a52c6d0be3" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_9925dbec-e5fc-472e-977a-0015a4ead199" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_152e6fa7-c230-42c3-8e31-ea22b4d698df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_8ef4d1e9-219b-4bcb-9cca-d9a52c6d0be3" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_152e6fa7-c230-42c3-8e31-ea22b4d698df" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_23d2b54b-43c2-48df-aa78-7db4847f4a7b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_8ef4d1e9-219b-4bcb-9cca-d9a52c6d0be3" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_23d2b54b-43c2-48df-aa78-7db4847f4a7b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_befa6670-1623-49b1-b34f-e3a05d550997" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireEquityMethodInvestments"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_8ef4d1e9-219b-4bcb-9cca-d9a52c6d0be3" xlink:to="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_befa6670-1623-49b1-b34f-e3a05d550997" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_d6c70cdf-beea-4399-b61e-ccc8b8966d01" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForProceedsFromShortTermInvestments"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_8ef4d1e9-219b-4bcb-9cca-d9a52c6d0be3" xlink:to="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_d6c70cdf-beea-4399-b61e-ccc8b8966d01" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_69081e72-6487-4888-9d31-9ba27d0b0163" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_8ef4d1e9-219b-4bcb-9cca-d9a52c6d0be3" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_69081e72-6487-4888-9d31-9ba27d0b0163" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireIntangibleAssets_cc2c2f25-d6a9-4797-848f-cd4a3ae56272" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireIntangibleAssets"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_8ef4d1e9-219b-4bcb-9cca-d9a52c6d0be3" xlink:to="loc_us-gaap_PaymentsToAcquireIntangibleAssets_cc2c2f25-d6a9-4797-848f-cd4a3ae56272" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsScheduleofAvailableforSaleDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#InvestmentsScheduleofAvailableforSaleDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsScheduleofAvailableforSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_93ecff72-bfdd-40d2-8d0a-206db4c9a679" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_73e6267b-00b2-41af-8d41-45de976e933f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_93ecff72-bfdd-40d2-8d0a-206db4c9a679" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_73e6267b-00b2-41af-8d41-45de976e933f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_720f2f94-1fcf-49bb-b3b7-3c6adac2553e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_93ecff72-bfdd-40d2-8d0a-206db4c9a679" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_720f2f94-1fcf-49bb-b3b7-3c6adac2553e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesTradingAndAvailableForSale_6f9063fe-c0a4-4b63-bd47-363e03c7bae5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesTradingAndAvailableForSale"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_93ecff72-bfdd-40d2-8d0a-206db4c9a679" xlink:to="loc_us-gaap_DebtSecuritiesTradingAndAvailableForSale_6f9063fe-c0a4-4b63-bd47-363e03c7bae5" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsScheduleofAvailableForSaleMaturityDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#InvestmentsScheduleofAvailableForSaleMaturityDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsScheduleofAvailableForSaleMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_f36457f8-7a91-44f7-9892-1589877f9ecd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_78320c96-f80c-4c6d-bef9-7dbd9de3a590" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_f36457f8-7a91-44f7-9892-1589877f9ecd" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_78320c96-f80c-4c6d-bef9-7dbd9de3a590" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_ba513ed2-884e-4796-b772-0b27fad8ef17" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_f36457f8-7a91-44f7-9892-1589877f9ecd" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_ba513ed2-884e-4796-b772-0b27fad8ef17" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_c373f0b2-aa5f-4299-bd34-9a05ee83a3f0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_f36457f8-7a91-44f7-9892-1589877f9ecd" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_c373f0b2-aa5f-4299-bd34-9a05ee83a3f0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_a55727c3-2b01-474b-8c30-dbaf5686c7fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_f36457f8-7a91-44f7-9892-1589877f9ecd" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_a55727c3-2b01-474b-8c30-dbaf5686c7fd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_6251c9fc-7721-4a97-a029-c2adfdeff59d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_88187da8-44cb-4cae-bae4-30adbebad393" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_6251c9fc-7721-4a97-a029-c2adfdeff59d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_88187da8-44cb-4cae-bae4-30adbebad393" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_63b5c6ef-a922-4958-a06f-c4c5dbeb9544" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_6251c9fc-7721-4a97-a029-c2adfdeff59d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_63b5c6ef-a922-4958-a06f-c4c5dbeb9544" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_382de4ac-a8f6-49d8-89b7-25bdedc0edca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_6251c9fc-7721-4a97-a029-c2adfdeff59d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_382de4ac-a8f6-49d8-89b7-25bdedc0edca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_c377a65f-0ec8-4144-b09a-81bd0afab92b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_6251c9fc-7721-4a97-a029-c2adfdeff59d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_c377a65f-0ec8-4144-b09a-81bd0afab92b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsScheduleofRealizedGainandLossandInvestmentsinUnrealizedLossPositionDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#InvestmentsScheduleofRealizedGainandLossandInvestmentsinUnrealizedLossPositionDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsScheduleofRealizedGainandLossandInvestmentsinUnrealizedLossPositionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_adea9254-72f6-4187-9245-60ba279910ce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_f3c34cd9-11f5-48e0-87ba-eb8f79a70b3d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_adea9254-72f6-4187-9245-60ba279910ce" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_f3c34cd9-11f5-48e0-87ba-eb8f79a70b3d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_fe7bcd0c-6815-45e1-a888-8e716977f0e8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_adea9254-72f6-4187-9245-60ba279910ce" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_fe7bcd0c-6815-45e1-a888-8e716977f0e8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_65a19c3b-1f7c-4587-b7b6-fa9ad9ef95f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_7a3bb982-95c6-4f99-97c4-9e4794cf66ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_65a19c3b-1f7c-4587-b7b6-fa9ad9ef95f3" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_7a3bb982-95c6-4f99-97c4-9e4794cf66ab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_d410ea7d-77ae-47cc-8506-026a5025bc51" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_65a19c3b-1f7c-4587-b7b6-fa9ad9ef95f3" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_d410ea7d-77ae-47cc-8506-026a5025bc51" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/InvestmentsScheduleofNetInvestmentIncomeDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#InvestmentsScheduleofNetInvestmentIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/InvestmentsScheduleofNetInvestmentIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_f8744357-9722-4f6b-b3ae-3294a02563d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetInvestmentIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossInvestmentIncomeOperating_95ec17ac-405a-4e9d-8a46-0e1f1a03f9fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GrossInvestmentIncomeOperating"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetInvestmentIncome_f8744357-9722-4f6b-b3ae-3294a02563d5" xlink:to="loc_us-gaap_GrossInvestmentIncomeOperating_95ec17ac-405a-4e9d-8a46-0e1f1a03f9fd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInvestmentExpense_152e3f89-5c60-4a33-9a51-7830e0a9de24" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentIncomeInvestmentExpense"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetInvestmentIncome_f8744357-9722-4f6b-b3ae-3294a02563d5" xlink:to="loc_us-gaap_InvestmentIncomeInvestmentExpense_152e3f89-5c60-4a33-9a51-7830e0a9de24" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/AccountsReceivableDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#AccountsReceivableDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/AccountsReceivableDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNet_359bfdfa-d623-43a2-bf1b-1d6988fbcdfd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsReceivableNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableGross_c4d4f227-4488-4c55-8177-c06936577560" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsReceivableGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsReceivableNet_359bfdfa-d623-43a2-bf1b-1d6988fbcdfd" xlink:to="loc_us-gaap_AccountsReceivableGross_c4d4f227-4488-4c55-8177-c06936577560" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForDoubtfulAccountsReceivable_8e628a56-445d-4800-97e1-61f6527305aa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsReceivableNet_359bfdfa-d623-43a2-bf1b-1d6988fbcdfd" xlink:to="loc_us-gaap_AllowanceForDoubtfulAccountsReceivable_8e628a56-445d-4800-97e1-61f6527305aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableGross_6f6653d1-a894-42ed-9f50-aeccef75ba20" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsReceivableGross"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsReceivableGross_b500782d-4a04-46d7-84e1-ccaa2cc7d364" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsReceivableGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsReceivableGross_6f6653d1-a894-42ed-9f50-aeccef75ba20" xlink:to="loc_us-gaap_PremiumsReceivableGross_b500782d-4a04-46d7-84e1-ccaa2cc7d364" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherReceivables_19e506a0-1ac2-4496-84ba-ebb09a38f682" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherReceivables"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsReceivableGross_6f6653d1-a894-42ed-9f50-aeccef75ba20" xlink:to="loc_us-gaap_OtherReceivables_19e506a0-1ac2-4496-84ba-ebb09a38f682" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReinsuranceScheduleofEffectonNetPremiumsWrittenandEarnedDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#ReinsuranceScheduleofEffectonNetPremiumsWrittenandEarnedDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReinsuranceScheduleofEffectonNetPremiumsWrittenandEarnedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsWrittenNet_9ebd1bec-82ad-452c-9716-e0771bf64003" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsWrittenNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsWritten_1b62d16f-8f30-4266-8b40-06ccfd58f03b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DirectPremiumsWritten"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsWrittenNet_9ebd1bec-82ad-452c-9716-e0771bf64003" xlink:to="loc_us-gaap_DirectPremiumsWritten_1b62d16f-8f30-4266-8b40-06ccfd58f03b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsWritten_f3927f86-b48f-44ab-a3f0-a911226802ec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CededPremiumsWritten"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsWrittenNet_9ebd1bec-82ad-452c-9716-e0771bf64003" xlink:to="loc_us-gaap_CededPremiumsWritten_f3927f86-b48f-44ab-a3f0-a911226802ec" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_e61e1a16-f458-453e-8c08-b17341910424" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsEarned_b9eed4bf-d9ff-46b1-9b76-117df0e5bdc6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DirectPremiumsEarned"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_e61e1a16-f458-453e-8c08-b17341910424" xlink:to="loc_us-gaap_DirectPremiumsEarned_b9eed4bf-d9ff-46b1-9b76-117df0e5bdc6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsEarned_d3a691b9-3791-4d6f-94a8-b1d929b05ef1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CededPremiumsEarned"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_e61e1a16-f458-453e-8c08-b17341910424" xlink:to="loc_us-gaap_CededPremiumsEarned_d3a691b9-3791-4d6f-94a8-b1d929b05ef1" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReinsuranceScheduleofTotalAssetsandMaximumExposureLossDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#ReinsuranceScheduleofTotalAssetsandMaximumExposureLossDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReinsuranceScheduleofTotalAssetsandMaximumExposureLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount_5040ea26-5166-4bd8-b90d-9eeac63ef2b9" xlink:href="esnt-20251231.xsd#esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet_913c6fd9-2a66-404f-b691-b48194a5dc47" xlink:href="esnt-20251231.xsd#esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount_5040ea26-5166-4bd8-b90d-9eeac63ef2b9" xlink:to="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOffTheBalanceSheet_913c6fd9-2a66-404f-b691-b48194a5dc47" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet_bda98a29-ea9a-49e1-9d6c-1254ff186ac9" xlink:href="esnt-20251231.xsd#esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossGainExposureAmount_5040ea26-5166-4bd8-b90d-9eeac63ef2b9" xlink:to="loc_esnt_VariableInterestEntityReportingEntityInvolvementMaximumLossExposureAmountOnTheBalanceSheet_bda98a29-ea9a-49e1-9d6c-1254ff186ac9" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReserveforLossesandLossAdjustmentExpensesScheduleofReconciliationofReserveBalancesforLossesandLossAdjustmentExpenseDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#ReserveforLossesandLossAdjustmentExpensesScheduleofReconciliationofReserveBalancesforLossesandLossAdjustmentExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReserveforLossesandLossAdjustmentExpensesScheduleofReconciliationofReserveBalancesforLossesandLossAdjustmentExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_fd6bde4a-0b91-40d3-873f-dfeaa04463c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_e6c6340f-7a6f-41ba-ad50-4adae3817032" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_fd6bde4a-0b91-40d3-873f-dfeaa04463c7" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_e6c6340f-7a6f-41ba-ad50-4adae3817032" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_3e7018ca-b371-43a0-b725-dc8f158dce7a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_fd6bde4a-0b91-40d3-873f-dfeaa04463c7" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_3e7018ca-b371-43a0-b725-dc8f158dce7a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_f914cc63-1bdc-4475-973a-a3c0879c3ad5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForLossesAndLossAdjustmentExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_e78cbb35-b527-455a-8cc3-660efba06c58" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_f914cc63-1bdc-4475-973a-a3c0879c3ad5" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_e78cbb35-b527-455a-8cc3-660efba06c58" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_bb477ddb-4c0a-4777-8e1d-d390dc8c02be" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_f914cc63-1bdc-4475-973a-a3c0879c3ad5" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_bb477ddb-4c0a-4777-8e1d-d390dc8c02be" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/ReserveforLossesandLossAdjustmentExpensesScheduleofIncurredLossesandAllocatedLossAdjustmentExpenseDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#ReserveforLossesandLossAdjustmentExpensesScheduleofIncurredLossesandAllocatedLossAdjustmentExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ReserveforLossesandLossAdjustmentExpensesScheduleofIncurredLossesandAllocatedLossAdjustmentExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNet_eb181be2-44e8-4ace-843b-8751fade5f6f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_ShortTermDurationInsuranceContractsReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments_677aaf0d-9998-402c-b44c-38cf0c300498" xlink:href="esnt-20251231.xsd#esnt_ShortTermDurationInsuranceContractsReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNet_eb181be2-44e8-4ace-843b-8751fade5f6f" xlink:to="loc_esnt_ShortTermDurationInsuranceContractsReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments_677aaf0d-9998-402c-b44c-38cf0c300498" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_ShortTermDurationInsuranceContractsLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_4232536f-b2ac-4806-9a8b-f2f59d631238" xlink:href="esnt-20251231.xsd#esnt_ShortTermDurationInsuranceContractsLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNet_eb181be2-44e8-4ace-843b-8751fade5f6f" xlink:to="loc_esnt_ShortTermDurationInsuranceContractsLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_4232536f-b2ac-4806-9a8b-f2f59d631238" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/CommitmentsandContingenciesScheduleofLeaseCostandOtherLeaseInformationDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#CommitmentsandContingenciesScheduleofLeaseCostandOtherLeaseInformationDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CommitmentsandContingenciesScheduleofLeaseCostandOtherLeaseInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCost_23892ca5-0b39-45ff-9ab2-6ba028a00130" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LeaseCost"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseCost_9f6ccae7-26d0-41ac-9a17-0f76666f26f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_23892ca5-0b39-45ff-9ab2-6ba028a00130" xlink:to="loc_us-gaap_OperatingLeaseCost_9f6ccae7-26d0-41ac-9a17-0f76666f26f4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermLeaseCost_2270921d-aa8d-4521-9b0d-032be3bba28a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermLeaseCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_23892ca5-0b39-45ff-9ab2-6ba028a00130" xlink:to="loc_us-gaap_ShortTermLeaseCost_2270921d-aa8d-4521-9b0d-032be3bba28a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubleaseIncome_2ca93ea9-b428-4f54-9b18-4eda72dec540" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubleaseIncome"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_23892ca5-0b39-45ff-9ab2-6ba028a00130" xlink:to="loc_us-gaap_SubleaseIncome_2ca93ea9-b428-4f54-9b18-4eda72dec540" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/CommitmentsandContingenciesScheduleofLeaseLiabilityMaturityDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#CommitmentsandContingenciesScheduleofLeaseLiabilityMaturityDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CommitmentsandContingenciesScheduleofLeaseLiabilityMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_f9d79cf7-f2f8-4889-9f21-5b5c90c3425e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_9ae03fbe-39cf-4dbe-9c4d-5a16dfceba24" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_f9d79cf7-f2f8-4889-9f21-5b5c90c3425e" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_9ae03fbe-39cf-4dbe-9c4d-5a16dfceba24" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_b4a35474-35ab-4e7a-90bd-7b160efc140b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_f9d79cf7-f2f8-4889-9f21-5b5c90c3425e" xlink:to="loc_us-gaap_OperatingLeaseLiability_b4a35474-35ab-4e7a-90bd-7b160efc140b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/CommitmentsandContingenciesScheduleofLeaseLiabilityMaturityDetails_1" xlink:type="simple" xlink:href="esnt-20251231.xsd#CommitmentsandContingenciesScheduleofLeaseLiabilityMaturityDetails_1"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/CommitmentsandContingenciesScheduleofLeaseLiabilityMaturityDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_b3559b5e-6535-4ee3-b66e-04bf66422a14" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_93824785-31f0-470d-8c50-07784a7714d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_b3559b5e-6535-4ee3-b66e-04bf66422a14" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_93824785-31f0-470d-8c50-07784a7714d3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_ba931537-014e-495b-b9aa-869abeb1bc06" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_b3559b5e-6535-4ee3-b66e-04bf66422a14" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_ba931537-014e-495b-b9aa-869abeb1bc06" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_7cf1d4c5-67d9-4abc-a366-18b5d7c096eb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_b3559b5e-6535-4ee3-b66e-04bf66422a14" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_7cf1d4c5-67d9-4abc-a366-18b5d7c096eb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_12313257-d79c-4118-81be-c5945ed0f7bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_b3559b5e-6535-4ee3-b66e-04bf66422a14" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_12313257-d79c-4118-81be-c5945ed0f7bf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_622df0ce-3217-44e0-8153-8d701459c701" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_b3559b5e-6535-4ee3-b66e-04bf66422a14" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_622df0ce-3217-44e0-8153-8d701459c701" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_637299a1-7fbb-4fb7-8c65-521716d3ac7f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_b3559b5e-6535-4ee3-b66e-04bf66422a14" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_637299a1-7fbb-4fb7-8c65-521716d3ac7f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/IncomeTaxesScheduleofIncomeTaxExpenseDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#IncomeTaxesScheduleofIncomeTaxExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/IncomeTaxesScheduleofIncomeTaxExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_019c0437-c2fa-7f3c-bb1a-de2f4d69695e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalTaxExpenseBenefit_019c0437-c2fa-791d-b87e-658b2b428217" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CurrentFederalTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_019c0437-c2fa-7f3c-bb1a-de2f4d69695e" xlink:to="loc_us-gaap_CurrentFederalTaxExpenseBenefit_019c0437-c2fa-791d-b87e-658b2b428217" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_019c0437-c2fa-7535-9c3a-d2c035d5b7b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_019c0437-c2fa-7f3c-bb1a-de2f4d69695e" xlink:to="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_019c0437-c2fa-7535-9c3a-d2c035d5b7b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentForeignTaxExpenseBenefit_019c0437-c2fa-7f8b-9e27-1c5def944ee5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CurrentForeignTaxExpenseBenefit"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_019c0437-c2fa-7f3c-bb1a-de2f4d69695e" xlink:to="loc_us-gaap_CurrentForeignTaxExpenseBenefit_019c0437-c2fa-7f8b-9e27-1c5def944ee5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019c0437-ed77-76a8-9523-c29258cca98c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_019c0437-ed77-7603-b607-3c18a278ec55" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019c0437-ed77-76a8-9523-c29258cca98c" xlink:to="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_019c0437-ed77-7603-b607-3c18a278ec55" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_019c0437-ed77-7c43-bfe5-f2c1c3f9f914" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019c0437-ed77-76a8-9523-c29258cca98c" xlink:to="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_019c0437-ed77-7c43-bfe5-f2c1c3f9f914" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredForeignIncomeTaxExpenseBenefit_019c0437-ed77-73ed-8ce4-ffbb954d0f79" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredForeignIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019c0437-ed77-76a8-9523-c29258cca98c" xlink:to="loc_us-gaap_DeferredForeignIncomeTaxExpenseBenefit_019c0437-ed77-73ed-8ce4-ffbb954d0f79" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019c0438-25a1-79f8-bd64-ad9d8cb7df4e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_019c0438-25a1-718e-8311-40082f8707f1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c0438-25a1-79f8-bd64-ad9d8cb7df4e" xlink:to="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_019c0438-25a1-718e-8311-40082f8707f1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019c0438-25a1-725a-a9d6-683461cd5ad5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c0438-25a1-79f8-bd64-ad9d8cb7df4e" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019c0438-25a1-725a-a9d6-683461cd5ad5" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/IncomeTaxesPreTaxIncomeLossDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#IncomeTaxesPreTaxIncomeLossDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/IncomeTaxesPreTaxIncomeLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019c286d-ed2d-785c-a37e-7d3837af62dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic_019c286d-ed2d-78bd-88e1-cfbce09f303a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019c286d-ed2d-785c-a37e-7d3837af62dd" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic_019c286d-ed2d-78bd-88e1-cfbce09f303a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign_019c286d-ed2d-7879-ba90-9e316217b5f0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019c286d-ed2d-785c-a37e-7d3837af62dd" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign_019c286d-ed2d-7879-ba90-9e316217b5f0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/IncomeTaxesIncometaxExpenseandExpectedTaxProvisionDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#IncomeTaxesIncometaxExpenseandExpectedTaxProvisionDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/IncomeTaxesIncometaxExpenseandExpectedTaxProvisionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019b2c33-5011-7253-86ae-5f7bc073fe1e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_019b2c33-5011-7d9b-aac8-6fa7f511da83" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019b2c33-5011-7253-86ae-5f7bc073fe1e" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_019b2c33-5011-7d9b-aac8-6fa7f511da83" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_019b2c33-5011-7ee6-8d50-32388f4c8586" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019b2c33-5011-7253-86ae-5f7bc073fe1e" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_019b2c33-5011-7ee6-8d50-32388f4c8586" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_EffectiveIncomeTaxRateReconciliationDeductionWithholdingTaxOnOutboundDividendsPercent_019b2c33-5011-7f1d-8e62-9c6e5eef5de2" xlink:href="esnt-20251231.xsd#esnt_EffectiveIncomeTaxRateReconciliationDeductionWithholdingTaxOnOutboundDividendsPercent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019b2c33-5011-7253-86ae-5f7bc073fe1e" xlink:to="loc_esnt_EffectiveIncomeTaxRateReconciliationDeductionWithholdingTaxOnOutboundDividendsPercent_019b2c33-5011-7f1d-8e62-9c6e5eef5de2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense_019b2c33-5011-7d55-89f2-28108e8b21b5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019b2c33-5011-7253-86ae-5f7bc073fe1e" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense_019b2c33-5011-7d55-89f2-28108e8b21b5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_EffectiveIncomeTaxRateReconciliationTaxExemptInterestPercent_019b2c33-5011-7bab-a91d-add452b3a1b0" xlink:href="esnt-20251231.xsd#esnt_EffectiveIncomeTaxRateReconciliationTaxExemptInterestPercent"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019b2c33-5011-7253-86ae-5f7bc073fe1e" xlink:to="loc_esnt_EffectiveIncomeTaxRateReconciliationTaxExemptInterestPercent_019b2c33-5011-7bab-a91d-add452b3a1b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost_019b2c33-5011-7788-885a-d81d19fd61db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019b2c33-5011-7253-86ae-5f7bc073fe1e" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost_019b2c33-5011-7788-885a-d81d19fd61db" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsResearch_019b2c33-5011-7ada-8573-6df980e19de9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsResearch"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019b2c33-5011-7253-86ae-5f7bc073fe1e" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsResearch_019b2c33-5011-7ada-8573-6df980e19de9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther_019b2c33-5011-7541-9257-057832af0fe9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019b2c33-5011-7253-86ae-5f7bc073fe1e" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther_019b2c33-5011-7541-9257-057832af0fe9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationEquityInEarningsLossesOfUnconsolidatedSubsidiary_019b2c33-5011-72ce-8cdb-69ed3a0b4708" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationEquityInEarningsLossesOfUnconsolidatedSubsidiary"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019b2c33-5011-7253-86ae-5f7bc073fe1e" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationEquityInEarningsLossesOfUnconsolidatedSubsidiary_019b2c33-5011-72ce-8cdb-69ed3a0b4708" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsForeign_019b2c33-5011-7941-a323-ce3f6cc21704" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsForeign"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019b2c33-5011-7253-86ae-5f7bc073fe1e" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsForeign_019b2c33-5011-7941-a323-ce3f6cc21704" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential_019c5ddb-8fa7-7c8a-8efb-d54e65bcc301" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019b2c33-5011-7253-86ae-5f7bc073fe1e" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential_019c5ddb-8fa7-7c8a-8efb-d54e65bcc301" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019c5de5-ace0-7af6-9426-7603a9b70e5c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019c5de5-ace0-7af6-9426-7603a9b70e5c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_019c5de5-ace0-7e3f-b7e4-d1447fdd8348" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:to="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_019c5de5-ace0-7e3f-b7e4-d1447fdd8348" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_019c5de5-ace0-776f-8c8e-827b3776ba70" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:to="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_019c5de5-ace0-776f-8c8e-827b3776ba70" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_EffectiveIncomeTaxRateReconciliationDeductionWithholdingTaxOnOutboundDividendAmount_019c5de5-ace0-7ba1-93d6-b29d19d6013c" xlink:href="esnt-20251231.xsd#esnt_EffectiveIncomeTaxRateReconciliationDeductionWithholdingTaxOnOutboundDividendAmount"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:to="loc_esnt_EffectiveIncomeTaxRateReconciliationDeductionWithholdingTaxOnOutboundDividendAmount_019c5de5-ace0-7ba1-93d6-b29d19d6013c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpense_019c5de5-ace0-7094-983b-5b88836e2d32" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:to="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpense_019c5de5-ace0-7094-983b-5b88836e2d32" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_EffectiveIncomeTaxRateReconciliationTaxExemptInterestAmount_019c5de5-ace0-7551-bcca-3674cf3a860e" xlink:href="esnt-20251231.xsd#esnt_EffectiveIncomeTaxRateReconciliationTaxExemptInterestAmount"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:to="loc_esnt_EffectiveIncomeTaxRateReconciliationTaxExemptInterestAmount_019c5de5-ace0-7551-bcca-3674cf3a860e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost_019c5de5-ace0-74a0-9698-fc259764c313" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:to="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost_019c5de5-ace0-74a0-9698-fc259764c313" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxCreditsResearch_019c5de5-ace0-7df4-bdd5-0eca89c09683" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationTaxCreditsResearch"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:to="loc_us-gaap_IncomeTaxReconciliationTaxCreditsResearch_019c5de5-ace0-7df4-bdd5-0eca89c09683" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther_019c5de5-ace0-7c39-941d-6784507f3245" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:to="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther_019c5de5-ace0-7c39-941d-6784507f3245" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationForeignIncomeTaxRateDifferential_019c5de5-ace0-718b-881f-a7a80a701f34" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationForeignIncomeTaxRateDifferential"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:to="loc_us-gaap_IncomeTaxReconciliationForeignIncomeTaxRateDifferential_019c5de5-ace0-718b-881f-a7a80a701f34" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationRepatriationOfForeignEarnings_019c5de5-ace0-7fc0-a31c-68026cf56c72" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationRepatriationOfForeignEarnings"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:to="loc_us-gaap_IncomeTaxReconciliationRepatriationOfForeignEarnings_019c5de5-ace0-7fc0-a31c-68026cf56c72" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxCreditsForeign_019c5de5-ace0-7125-939c-1d64f565c743" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationTaxCreditsForeign"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c5de5-ace0-7188-869e-b53246466b69" xlink:to="loc_us-gaap_IncomeTaxReconciliationTaxCreditsForeign_019c5de5-ace0-7125-939c-1d64f565c743" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/IncomeTaxesIncomeTaxesPaidDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#IncomeTaxesIncomeTaxesPaidDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/IncomeTaxesIncomeTaxesPaidDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaidNet_019c0447-b9d2-71a6-b3b2-97ad78ef6aef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxesPaidNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPaidFederalAfterRefundReceived_019c0447-b9d2-7ce0-82bb-34ff5829e7fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxPaidFederalAfterRefundReceived"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxesPaidNet_019c0447-b9d2-71a6-b3b2-97ad78ef6aef" xlink:to="loc_us-gaap_IncomeTaxPaidFederalAfterRefundReceived_019c0447-b9d2-7ce0-82bb-34ff5829e7fb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPaidStateAndLocalAfterRefundReceived_019c0447-b9d2-764c-8a3e-544d0600070d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxPaidStateAndLocalAfterRefundReceived"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxesPaidNet_019c0447-b9d2-71a6-b3b2-97ad78ef6aef" xlink:to="loc_us-gaap_IncomeTaxPaidStateAndLocalAfterRefundReceived_019c0447-b9d2-764c-8a3e-544d0600070d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities_019b2c5f-2261-71d4-b6cc-dc2814f376a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_DeferredTaxLiabilitiesContingencyReserves_019b2c5f-2261-74ca-87bd-809d951bf2a5" xlink:href="esnt-20251231.xsd#esnt_DeferredTaxLiabilitiesContingencyReserves"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_019b2c5f-2261-71d4-b6cc-dc2814f376a8" xlink:to="loc_esnt_DeferredTaxLiabilitiesContingencyReserves_019b2c5f-2261-74ca-87bd-809d951bf2a5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCost_019b2c5f-2261-7a49-b7e7-49a29eb88d5a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_019b2c5f-2261-71d4-b6cc-dc2814f376a8" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCost_019b2c5f-2261-7a49-b7e7-49a29eb88d5a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesInvestments_019b2c5f-2261-7286-b50e-f2e6e231d5d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesInvestments"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_019b2c5f-2261-71d4-b6cc-dc2814f376a8" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesInvestments_019b2c5f-2261-7286-b50e-f2e6e231d5d6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_019b2c5f-2261-7d66-bb05-b4cb59f172d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesPrepaidExpenses"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_019b2c5f-2261-71d4-b6cc-dc2814f376a8" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_019b2c5f-2261-7d66-bb05-b4cb59f172d9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesLeasingArrangements_019c2865-b00b-70f7-a06f-ccacca296fe9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesLeasingArrangements"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_019b2c5f-2261-71d4-b6cc-dc2814f376a8" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesLeasingArrangements_019c2865-b00b-70f7-a06f-ccacca296fe9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesOther_019b2c5f-2261-75d1-8ba3-6c59f9a71e37" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesOther"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_019b2c5f-2261-71d4-b6cc-dc2814f376a8" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesOther_019b2c5f-2261-75d1-8ba3-6c59f9a71e37" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsGross_019b2c5e-f07b-760a-8117-8fc5da5685cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsGross"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsUnearnedPremiumsReserve_019b2c5e-f07b-7acc-86cb-fe47015c294d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsUnearnedPremiumsReserve"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_019b2c5e-f07b-760a-8117-8fc5da5685cd" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsUnearnedPremiumsReserve_019b2c5e-f07b-7acc-86cb-fe47015c294d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_019b2c5e-f07b-79ec-9130-c8aefb5ff380" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_019b2c5e-f07b-760a-8117-8fc5da5685cd" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_019b2c5e-f07b-79ec-9130-c8aefb5ff380" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_DeferredTaxAssetsDeferredExpenseUnearnedCedingCommissions_019b2c5e-f07b-748c-a309-d13e293a26b0" xlink:href="esnt-20251231.xsd#esnt_DeferredTaxAssetsDeferredExpenseUnearnedCedingCommissions"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_019b2c5e-f07b-760a-8117-8fc5da5685cd" xlink:to="loc_esnt_DeferredTaxAssetsDeferredExpenseUnearnedCedingCommissions_019b2c5e-f07b-748c-a309-d13e293a26b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost_019b2c5e-f07b-75fc-b160-51af39bda71e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_019b2c5e-f07b-760a-8117-8fc5da5685cd" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost_019b2c5e-f07b-75fc-b160-51af39bda71e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment_019b2c5e-f07b-7e33-bdf3-e7bd58ca7228" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_019b2c5e-f07b-760a-8117-8fc5da5685cd" xlink:to="loc_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment_019b2c5e-f07b-7e33-bdf3-e7bd58ca7228" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_DeferredTaxAssetsStartUpExpensesNet_019b2c5e-f07b-7a49-863a-0c0b9442698e" xlink:href="esnt-20251231.xsd#esnt_DeferredTaxAssetsStartUpExpensesNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_019b2c5e-f07b-760a-8117-8fc5da5685cd" xlink:to="loc_esnt_DeferredTaxAssetsStartUpExpensesNet_019b2c5e-f07b-7a49-863a-0c0b9442698e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves_019b2c5e-f07b-704d-bdda-11c695596e39" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_019b2c5e-f07b-760a-8117-8fc5da5685cd" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves_019b2c5e-f07b-704d-bdda-11c695596e39" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsDerivativeInstruments_019b2c5e-f07b-7e44-bb38-7757523441f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsDerivativeInstruments"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_019b2c5e-f07b-760a-8117-8fc5da5685cd" xlink:to="loc_us-gaap_DeferredTaxAssetsDerivativeInstruments_019b2c5e-f07b-7e44-bb38-7757523441f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross_019b2c5e-f07b-7edc-9476-2c0b70d305d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_019b2c5e-f07b-760a-8117-8fc5da5685cd" xlink:to="loc_us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross_019b2c5e-f07b-7edc-9476-2c0b70d305d2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilities_019b2c5f-e3c8-7651-9f83-855f01bb0884" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsGross_019b2c5f-e3c8-77f0-a8b6-982d84d66151" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsGross"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_019b2c5f-e3c8-7651-9f83-855f01bb0884" xlink:to="loc_us-gaap_DeferredTaxAssetsGross_019b2c5f-e3c8-77f0-a8b6-982d84d66151" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities_019b2c5f-e3c8-7117-b97f-b17d4e7e5841" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_019b2c5f-e3c8-7651-9f83-855f01bb0884" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilities_019b2c5f-e3c8-7117-b97f-b17d4e7e5841" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/EarningsperShareEPSScheduleofReconciliationofNetIncomeandWeightedAverageCommonSharesOutstandingDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#EarningsperShareEPSScheduleofReconciliationofNetIncomeandWeightedAverageCommonSharesOutstandingDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/EarningsperShareEPSScheduleofReconciliationofNetIncomeandWeightedAverageCommonSharesOutstandingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_4d0d6341-3da7-4cdf-9f30-a4951d330812" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_6c85bc78-ed98-4436-ada7-770cfe2623ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_4d0d6341-3da7-4cdf-9f30-a4951d330812" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_6c85bc78-ed98-4436-ada7-770cfe2623ca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToNonvestedSharesWithForfeitableDividends_e73625c7-219c-4c03-b750-3df5a1eeaade" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncrementalCommonSharesAttributableToNonvestedSharesWithForfeitableDividends"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_4d0d6341-3da7-4cdf-9f30-a4951d330812" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToNonvestedSharesWithForfeitableDividends_e73625c7-219c-4c03-b750-3df5a1eeaade" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#AccumulatedOtherComprehensiveIncomeLossDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_da936480-82ae-4668-a259-d768bd49f3a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_eae811f9-2fc6-43a7-b9ae-dd2c39857516" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_da936480-82ae-4668-a259-d768bd49f3a8" xlink:to="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_eae811f9-2fc6-43a7-b9ae-dd2c39857516" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_f5606d71-e8b2-42ac-ab1e-ffad41eb1948" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_da936480-82ae-4668-a259-d768bd49f3a8" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_f5606d71-e8b2-42ac-ab1e-ffad41eb1948" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_3e1a704f-dcb8-4e2e-8f45-bd270872086e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_dda664b5-cb4e-46e4-a40a-ca2b9a414864" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_3e1a704f-dcb8-4e2e-8f45-bd270872086e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_dda664b5-cb4e-46e4-a40a-ca2b9a414864" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_7fbedda5-f5eb-4cf2-a35e-484f31cad7c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_3e1a704f-dcb8-4e2e-8f45-bd270872086e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_7fbedda5-f5eb-4cf2-a35e-484f31cad7c1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_f419b11f-2acc-4596-803a-7f186133315b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociBeforeTaxAttributableToParent_dda8dd2d-f333-4c43-b6da-87e418319118" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AociBeforeTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_f419b11f-2acc-4596-803a-7f186133315b" xlink:to="loc_us-gaap_AociBeforeTaxAttributableToParent_dda8dd2d-f333-4c43-b6da-87e418319118" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociTaxAttributableToParent_ec7534d3-5122-4cf6-82e9-a92056820797" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AociTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_f419b11f-2acc-4596-803a-7f186133315b" xlink:to="loc_us-gaap_AociTaxAttributableToParent_ec7534d3-5122-4cf6-82e9-a92056820797" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_e2b4c0ca-8fe7-422a-83d3-f9a9cc61d0b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_1eeff32a-2757-41c8-a7e2-7c8c1dc3eb6c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_e2b4c0ca-8fe7-422a-83d3-f9a9cc61d0b9" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_1eeff32a-2757-41c8-a7e2-7c8c1dc3eb6c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_dcc79de2-9d4e-4589-ba4d-cd8b7f28aa6c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_e2b4c0ca-8fe7-422a-83d3-f9a9cc61d0b9" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_dcc79de2-9d4e-4589-ba4d-cd8b7f28aa6c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_4ae03424-4820-4d7a-ae54-18d227c368b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_3baea999-0e6e-4f01-b639-5316b2072af4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_4ae03424-4820-4d7a-ae54-18d227c368b9" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_3baea999-0e6e-4f01-b639-5316b2072af4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_2d308b9d-3423-4414-850a-a81483f6debe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_4ae03424-4820-4d7a-ae54-18d227c368b9" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_2d308b9d-3423-4414-850a-a81483f6debe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_a3ca5d81-eb16-49af-abd0-40830e4d0b1c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_6b5d3b96-5c2b-4082-82b1-24f8d942782c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_a3ca5d81-eb16-49af-abd0-40830e4d0b1c" xlink:to="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_6b5d3b96-5c2b-4082-82b1-24f8d942782c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_e6bfd8f3-d804-4fcd-a4f4-23ff2939d532" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_a3ca5d81-eb16-49af-abd0-40830e4d0b1c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_e6bfd8f3-d804-4fcd-a4f4-23ff2939d532" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossDetails_1" xlink:type="simple" xlink:href="esnt-20251231.xsd#AccumulatedOtherComprehensiveIncomeLossDetails_1"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/AccumulatedOtherComprehensiveIncomeLossDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_06c6409f-5dc3-41c3-92ce-303ec8e95559" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_9fbfdc77-7748-4261-9180-b76e3d38f6a0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_06c6409f-5dc3-41c3-92ce-303ec8e95559" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_9fbfdc77-7748-4261-9180-b76e3d38f6a0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_c758a543-eecd-4e47-8657-259ea5c56d8c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_06c6409f-5dc3-41c3-92ce-303ec8e95559" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_c758a543-eecd-4e47-8657-259ea5c56d8c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/FairValueofFinancialInstrumentsScheduleofAssetsandLiabilitiesMeasuredatFairValeonaRecurringBasisDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#FairValueofFinancialInstrumentsScheduleofAssetsandLiabilitiesMeasuredatFairValeonaRecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/FairValueofFinancialInstrumentsScheduleofAssetsandLiabilitiesMeasuredatFairValeonaRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_a893e14b-9941-4056-889f-1611597ced08" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_907a3d58-03b0-4791-90e2-8281fcf50c7f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_a893e14b-9941-4056-889f-1611597ced08" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_907a3d58-03b0-4791-90e2-8281fcf50c7f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/AcquisitionsScheduleofPreliminaryValuationofIdentifiableAssetsAcquiredandLiabilitiesAssumedDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#AcquisitionsScheduleofPreliminaryValuationofIdentifiableAssetsAcquiredandLiabilitiesAssumedDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/AcquisitionsScheduleofPreliminaryValuationofIdentifiableAssetsAcquiredandLiabilitiesAssumedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_58caa1f5-4cc3-4e5c-a98c-ecb961ccf921" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther_f9f2c138-afda-438d-ae16-1ca9fcc3a4e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_58caa1f5-4cc3-4e5c-a98c-ecb961ccf921" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther_f9f2c138-afda-438d-ae16-1ca9fcc3a4e2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancialLiabilities_80fbd27e-d383-42e9-baca-fc5d2b71aecb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancialLiabilities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_58caa1f5-4cc3-4e5c-a98c-ecb961ccf921" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancialLiabilities_80fbd27e-d383-42e9-baca-fc5d2b71aecb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_64cd3add-c98e-4dc3-a76a-dfba527c889a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_58caa1f5-4cc3-4e5c-a98c-ecb961ccf921" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_64cd3add-c98e-4dc3-a76a-dfba527c889a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_f292e75a-fd16-42e2-8168-bb75aad32ab4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_58caa1f5-4cc3-4e5c-a98c-ecb961ccf921" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_f292e75a-fd16-42e2-8168-bb75aad32ab4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsMarketableSecurities_40971dea-e81b-4a6b-be70-b9a08a35ddbe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsMarketableSecurities"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_58caa1f5-4cc3-4e5c-a98c-ecb961ccf921" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsMarketableSecurities_40971dea-e81b-4a6b-be70-b9a08a35ddbe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets_d8e4c6e0-646f-4eea-b05a-9d8a6120df7b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_58caa1f5-4cc3-4e5c-a98c-ecb961ccf921" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets_d8e4c6e0-646f-4eea-b05a-9d8a6120df7b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedShortTermInvestments_528eadda-7f7c-4122-aa01-0703454db3a1" xlink:href="esnt-20251231.xsd#esnt_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedShortTermInvestments"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_58caa1f5-4cc3-4e5c-a98c-ecb961ccf921" xlink:to="loc_esnt_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedShortTermInvestments_528eadda-7f7c-4122-aa01-0703454db3a1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssets_96c13e82-3775-4db3-9556-226a144feaa9" xlink:href="esnt-20251231.xsd#esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets_4ed9afe8-b2b4-4141-be12-221b3d166d01" xlink:href="esnt-20251231.xsd#esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssets_96c13e82-3775-4db3-9556-226a144feaa9" xlink:to="loc_esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets_4ed9afe8-b2b4-4141-be12-221b3d166d01" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_853300d6-73dc-4d43-92ca-238f5c5d268d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssets_96c13e82-3775-4db3-9556-226a144feaa9" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_853300d6-73dc-4d43-92ca-238f5c5d268d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities_6c20fff2-dc8e-4e36-ac32-6a0d1f94169c" xlink:href="esnt-20251231.xsd#esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssets_96c13e82-3775-4db3-9556-226a144feaa9" xlink:to="loc_esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities_6c20fff2-dc8e-4e36-ac32-6a0d1f94169c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentReserveForLosses_d3a378c1-88af-4598-b49c-92beeb3bac47" xlink:href="esnt-20251231.xsd#esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentReserveForLosses"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssets_96c13e82-3775-4db3-9556-226a144feaa9" xlink:to="loc_esnt_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentReserveForLosses_d3a378c1-88af-4598-b49c-92beeb3bac47" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/SegmentReportingScheduleofSegmentReportingDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#SegmentReportingScheduleofSegmentReportingDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/SegmentReportingScheduleofSegmentReportingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_esnt_OtherUnderwritingAndOperatingExpenses_b6997ffd-2bbe-40ea-945e-d4f7e91ed3a0" xlink:href="esnt-20251231.xsd#esnt_OtherUnderwritingAndOperatingExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_ReinsuranceCededPremiumsEarnedCedingCommission_038b8eb9-3867-41e1-b63c-d55407f3be18" xlink:href="esnt-20251231.xsd#esnt_ReinsuranceCededPremiumsEarnedCedingCommission"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_esnt_OtherUnderwritingAndOperatingExpenses_b6997ffd-2bbe-40ea-945e-d4f7e91ed3a0" xlink:to="loc_esnt_ReinsuranceCededPremiumsEarnedCedingCommission_038b8eb9-3867-41e1-b63c-d55407f3be18" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_OtherUnderwritingAndOperatingExpensesOther_9f0f10aa-f684-4258-b988-b54031e90024" xlink:href="esnt-20251231.xsd#esnt_OtherUnderwritingAndOperatingExpensesOther"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_esnt_OtherUnderwritingAndOperatingExpenses_b6997ffd-2bbe-40ea-945e-d4f7e91ed3a0" xlink:to="loc_esnt_OtherUnderwritingAndOperatingExpensesOther_9f0f10aa-f684-4258-b988-b54031e90024" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeBenefitsAndShareBasedCompensation_545469db-3f05-4227-870f-5d8f4c984d8b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeBenefitsAndShareBasedCompensation"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_esnt_OtherUnderwritingAndOperatingExpenses_b6997ffd-2bbe-40ea-945e-d4f7e91ed3a0" xlink:to="loc_us-gaap_EmployeeBenefitsAndShareBasedCompensation_545469db-3f05-4227-870f-5d8f4c984d8b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_PremiumAndOtherTaxes_e016b702-2289-449c-b035-0fb4b1f872b2" xlink:href="esnt-20251231.xsd#esnt_PremiumAndOtherTaxes"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_esnt_OtherUnderwritingAndOperatingExpenses_b6997ffd-2bbe-40ea-945e-d4f7e91ed3a0" xlink:to="loc_esnt_PremiumAndOtherTaxes_e016b702-2289-449c-b035-0fb4b1f872b2" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/ScheduleIICondensedFinancialInformationofRegistrantCondensedBalanceSheetsDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#ScheduleIICondensedFinancialInformationofRegistrantCondensedBalanceSheetsDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ScheduleIICondensedFinancialInformationofRegistrantCondensedBalanceSheetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_0eadb2f2-1185-4475-8810-aeeca2e14363" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_148423a0-a22a-4dbd-a9a4-85016ce00a9e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_0eadb2f2-1185-4475-8810-aeeca2e14363" xlink:to="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_148423a0-a22a-4dbd-a9a4-85016ce00a9e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Cash_051123ba-cf46-43a2-8532-bb67b1851f8e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Cash"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_0eadb2f2-1185-4475-8810-aeeca2e14363" xlink:to="loc_us-gaap_Cash_051123ba-cf46-43a2-8532-bb67b1851f8e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_552f7340-0e82-4e8a-bcc1-2946cdd31bed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_0eadb2f2-1185-4475-8810-aeeca2e14363" xlink:to="loc_us-gaap_OtherAssets_552f7340-0e82-4e8a-bcc1-2946cdd31bed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e9092aa4-4bcb-4797-be2d-95e3b3d52ea2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_0eadb2f2-1185-4475-8810-aeeca2e14363" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e9092aa4-4bcb-4797-be2d-95e3b3d52ea2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestments_d856c1fa-1d37-4b52-8ec4-2920d72f49bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestments"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_0eadb2f2-1185-4475-8810-aeeca2e14363" xlink:to="loc_us-gaap_EquityMethodInvestments_d856c1fa-1d37-4b52-8ec4-2920d72f49bf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherReceivablesNetCurrent_9ac76375-dd15-4611-b1c7-c279172eb520" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherReceivablesNetCurrent"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_0eadb2f2-1185-4475-8810-aeeca2e14363" xlink:to="loc_us-gaap_OtherReceivablesNetCurrent_9ac76375-dd15-4611-b1c7-c279172eb520" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_238f7c6c-ba0c-497e-be85-29a9732fee3e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_23366ca3-717f-4f2c-9cba-676a978e0db6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_238f7c6c-ba0c-497e-be85-29a9732fee3e" xlink:to="loc_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_23366ca3-717f-4f2c-9cba-676a978e0db6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeniorNotes_5bfd456f-dc04-40a1-9718-7a7b23baa432" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeniorNotes"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_238f7c6c-ba0c-497e-be85-29a9732fee3e" xlink:to="loc_us-gaap_SeniorNotes_5bfd456f-dc04-40a1-9718-7a7b23baa432" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/ScheduleIICondensedFinancialInformationofRegistrantCondensedStatementsofComprehensiveIncomeDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#ScheduleIICondensedFinancialInformationofRegistrantCondensedStatementsofComprehensiveIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ScheduleIICondensedFinancialInformationofRegistrantCondensedStatementsofComprehensiveIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_d7a025fe-f3ba-4d81-90c4-94e849c5eb25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_85148f1d-d4a4-413f-9bc7-595ceab021c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetInvestmentIncome"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_d7a025fe-f3ba-4d81-90c4-94e849c5eb25" xlink:to="loc_us-gaap_NetInvestmentIncome_85148f1d-d4a4-413f-9bc7-595ceab021c7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_0b236520-bc1f-403e-9c56-6e9dd04a7d8f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_d7a025fe-f3ba-4d81-90c4-94e849c5eb25" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_0b236520-bc1f-403e-9c56-6e9dd04a7d8f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentForAdministrativeFees_b948de12-2f2b-460e-a57f-7964f5f6c858" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentForAdministrativeFees"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_d7a025fe-f3ba-4d81-90c4-94e849c5eb25" xlink:to="loc_us-gaap_PaymentForAdministrativeFees_b948de12-2f2b-460e-a57f-7964f5f6c858" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_esnt_IncomeLossFromOtherInvestedAssets_d3091165-52f7-4b48-93fa-e88282e19dbd" xlink:href="esnt-20251231.xsd#esnt_IncomeLossFromOtherInvestedAssets"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_d7a025fe-f3ba-4d81-90c4-94e849c5eb25" xlink:to="loc_esnt_IncomeLossFromOtherInvestedAssets_d3091165-52f7-4b48-93fa-e88282e19dbd" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.essentgroup.com/role/ScheduleIVReinsuranceDetails" xlink:type="simple" xlink:href="esnt-20251231.xsd#ScheduleIVReinsuranceDetails"/>
  <link:calculationLink xlink:role="http://www.essentgroup.com/role/ScheduleIVReinsuranceDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_cca1548b-b912-4b83-bca4-3e5851e3eb0d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsEarned_a136a9da-3b23-4fd7-a948-834dbe722dcd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DirectPremiumsEarned"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_cca1548b-b912-4b83-bca4-3e5851e3eb0d" xlink:to="loc_us-gaap_DirectPremiumsEarned_a136a9da-3b23-4fd7-a948-834dbe722dcd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsEarned_6aaa9b06-68d4-468e-bc27-185b114bc11d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CededPremiumsEarned"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_cca1548b-b912-4b83-bca4-3e5851e3eb0d" xlink:to="loc_us-gaap_CededPremiumsEarned_6aaa9b06-68d4-468e-bc27-185b114bc11d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumedPremiumsEarned_d11e00d9-eff6-4081-a099-c7eab2b62f0b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssumedPremiumsEarned"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_cca1548b-b912-4b83-bca4-3e5851e3eb0d" xlink:to="loc_us-gaap_AssumedPremiumsEarned_d11e00d9-eff6-4081-a099-c7eab2b62f0b" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
