Every loan has a Fees & Suspense tab (/loans/{id}?tab=fees) — the home for everything on a loan that isn't a regular amortization payment.
Fees
The top of the tab summarizes your late charges three ways and lists every charge ever assessed:
- In the current amount due — outstanding charges the borrower owes now.
- Deferred (collected at payoff) — charges held out of the current due but still owed at payoff.
- Total fees assessed (all time) — everything ever charged, for the record.
The Late charges & fees table shows each charge with its status — Outstanding, Deferred, Paid, Waived, or Paid at payoff — along with when it was assessed, the payment it's tied to, and the detail (including who waived it and why). It's read-only here; the Waive and Defer actions live on the loan Overview tab's Late Charges card.
Suspense
Below the fees, two tiles show the loan's current suspense balance (funds received but unapplied) and the total ever held in suspense. The Funds held in suspense table lists each underpayment routed into suspense, oldest to newest, with a running held total.
Apply suspense
When there's a suspense balance, the Apply suspense to the next payment control lets you put held funds toward the next installment:
- Set the amount to apply (defaults to the full balance).
- Order the four buckets — Late fees, Interest, Escrow, Principal — with the up/down arrows. Each bucket takes what it can up to what's due on the next payment, top of the list first.
- Click Apply suspense. The rest stays in suspense, and the application is recorded as a regular payment on the Payments tab.
This same Apply suspense control also appears on the loan's Escrow tab, so you can reach it from either place.
See Recording a payment for how money lands in suspense in the first place, and The Late Charges card for waiving or deferring a fee.