# Balloon Payment Final Due Check

Check a loan schedule for a final balloon payment against the borrower’s funding plan.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
The payment schedule, the final balloon amount, and the borrower’s provision.

## Workflow
1. List the scheduled payments.
2. Identify the final balloon amount and due date.
3. Compare to the borrower’s provision for that date.
4. Return the check without lender contact.

## Output contract
loan | scheduled_payment | balloon_amount | balloon_due | provision | shortfall

## Fictional acceptance test
Fictional schedule shows 59 payments of 1,200 and a final balloon of 180,000 at month 60; the borrower budgeted 1,200 a month, leaving 178,800 unfunded at the final due date.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/what-is-a-balloon-payment-when-is-one-allowed-en-104/

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