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Payoff amount

The total needed to fully satisfy a loan as of a specific date — the remaining principal plus accrued interest and any fees, good only through that date because interest keeps accruing. Because it changes daily, you request a written payoff statement with a good-through date before paying a loan off.

Related forms

Payoff request letter

How to request a loan payoff amount from your lender
To get your loan payoff amount, request an official payoff statement from your lender and specify the date you intend to pay. The payoff is higher than your balance because it adds per-diem interest through that "good through" date plus unpaid fees. For mortgages, servicers generally must provide it within seven business days.

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