“How to Read” your statement

Account Payment Summary — Account Number: This is your personal account number that identifies your loan. Remember to
1 keep it confidential. It enables us to answer your questions quickly. Payment Due Date: The date by which we expect to receive your
payment. Amount Due: The monthly payment that includes principal, interest, escrow, fees, and other amounts due, as applicable.
The late charge amount and date the charge will be assessed is also noted here.

2 Explanation of Amount Due — Contains a summary of the payment amount due including principal, interest, escrow, late
charges, fees, and past due amounts, as applicable.

Past Payment Breakdown — Contains a summary of the previous payments received after your last Mortgage Account Statement,
3 including how the payments have been applied to your account for the past month and year to date.

Account Information — Property Address:

4 Where your mortgaged property is located.
Type of Mortgage: Type of loan you have,
such as adjustable or fixed rate. Outstanding
Principal Balance: The amount of principal
remaining on your loan through the statement
1
date. This is not a payoff amount. Interest Rate:
The rate you are paying as of the statement date.
Escrow Balance: The amount of funds currently 2
held in your escrow account, if applicable. Taxes 4
Paid Year to Date: The amount of taxes you
have paid as of the statement date, if applicable.

Transaction Activity — The date, description,

3
5 and amount of all charges and credits that
have occurred on the account as of your last
statement. 5
tice
Delinquency No
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re to bring your
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you are late on ng your home.
As of 08/17/13,

6
ns conc erni
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fees and/or addi
on 05/04/13
History ent amount paid
Recent Account Monthly Paym unt paid on 06/0
3/13
Paym ent due 05/01/13: Regular thly Payment amo 6/13
1/13: Regular Mon unt paid on 07/0
●

ent due 06/0 Paym ent amo $1,041.57

● Paym
07/0 1/13: Regular Monthly thly Paym ent amount of
Payment due ular Mon $1,041.57
1/13: Unpaid Reg ent amount of
●

Payment due 08/0 ular Monthly Paym $1,041.57

1/13: Unpaid Reg ent amount of
●
8
Payment due 09/0 Reg ular Monthly Paym of this statement: $4,166.2
Unp aid tion of Amount
●
1/13: as
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to
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If You Are Exp ut you
ide you with the to speak with an expert abo
available to prov 428 7
1-800-569- cs.cfm
assistance. Call .hud.gov/offices/hsg/sfh/hcc/h
296701

visit HUD at www

Delinquency Notice — You will see this section only if your account is more than 45 days past due. This section indicates the date
6 on which the account became past due, as well as details your monthly payment history for the previous six months.