I have a situation that this doesn't account for. With my mortgage, I pay into an escrow that covers my estimated property taxes & homeowners insurance. Some

I have a situation that this doesn't account for. With my mortgage, I pay into an escrow that covers my estimated property taxes & homeowners insurance. Some years, those estimates are wrong, so my monthly payments change. It might make more sense, in my case at least, to input a "current balance" field, rather than interpreting it based on the originating date of the loan.