Paused payment balance
Workout assumptions
This calculator cannot tell you what your servicer must offer. Use it to prepare questions before you rely on a written loss-mitigation agreement.
| Option | Upfront amount | Monthly payment estimate | Balance left for later | How to read it |
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Methodology notes
Catch-up amount
If you enter a total arrears amount, the calculator uses it. Otherwise it multiplies the regular mortgage payment by missed payments, then adds escrow and fees.
Repayment plan
The available lump sum is applied first. The remaining amount is divided evenly over the repayment plan months and added to the regular payment.
Deferral and modification
Deferral parks the remaining amount for educational payoff context. Modification capitalizes the remaining amount and amortizes it over the remaining term plus the extension entered.
Results are estimates for educational purposes only and are not financial, legal, tax, credit, servicing, or foreclosure advice. Servicer notices, investor or agency rules, mortgage documents, written agreements, and applicable law control. See full disclosure.
Important caveats
- Servicers may offer different options depending on the investor, loan type, hardship reason, occupancy, account status, and program rules.
- A repayment plan can fail if the temporary payment is too high. Confirm whether missed plan payments restart collection or foreclosure milestones.
- Deferrals and partial claims may become due at payoff, refinance, sale, transfer, maturity, or another program-defined event.
- Modification terms can change rate, term, balance, escrow treatment, and total interest. This page models only a simple term-extension payment.
- Credit reporting and foreclosure timelines depend on official account status, notices, loss-mitigation protections, and applicable law.
- Taxes, insurance, HOA dues, and escrow shortages may still need cash even when principal and interest are deferred.
Mortgage forbearance repayment FAQ
What number should I use for arrears?
Use the current written amount from the servicer if you have it. It may include escrow advances, fees, shortage amounts, and other recoverable charges.
Is a partial claim free?
Not necessarily. It may be non-interest-bearing in some programs, but it is still usually repaid later. Confirm lien, payoff, and maturity terms in writing.
Can I just send what I can?
Ask first. Partial payments can be held in suspense or returned and may not stop fees, credit reporting, default notices, or foreclosure timelines.