The unfunded amount is the difference between the Protect Fee owned by a Borrower and the amount funded by Lenders. The Borrower Payment Protect Fee gets capitalised into the loan amount but is not a cash distribution to the Borrower, therefore does not require to be funded by lenders. Lenders only fund the lender fee component that is paid to Harmoney at settlement.
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Take for example a loan that includes $1,000 borrower Payment Protect Fee, of which the lender fees are $350. The $1,000 gets capitalised into the loan amount but the Lender only funds the $350 of fees paid to Harmoney leaving $650 as unfunded but repayable over the life of the loan.