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Mortgage statement
Past dueCovered
Principal balance$248,300
StatusPast due (1 mo)
Monthly payment$1,500
Late fees$75.00
Next payment due30 days past due

The same mortgage statement over three months Top row, no coverage: the payment is made, then the income line drops to nothing, then the statement stamp turns from covered to past due and a late fee line appears. Bottom row, with coverage: the statement stays covered and the money goes to the family, not the bank. NO COVERAGE Payment made INCOME Income stops STATEMENT COVERED PAST DUE Late fee Due Month oneMonth twoMonth three WITH COVERAGE Payment made Coverage in place STATEMENT COVERED Payment Status Current Month oneMonth twoMonth three Paid to the family, not the bank

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