# Payoff Amount Good Through Check

Check a payoff quote against the funding date and per-diem interest.

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

## Inputs
The payoff amount, its good-through date, the per-diem rate, and the funding date.

## Workflow
1. Record the payoff amount and good-through date.
2. Record the funding date and per-diem interest.
3. Compute the shortfall if funding lands after the quote expires.
4. Return the check without lender contact.

## Output contract
loan | payoff_amount | good_through | funding_date | days_past | per_diem | added_cost

## Fictional acceptance test
Fictional payoff quote of 312,400 is good through October 31; funding is scheduled for November 3, 3 days past validity: at 51.37 per diem that is about 154.11 more for the 3 days.

## 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-payoff-amount-and-is-it-the-same-as-my-current-balance-en-205/

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