---
title: How to add funding in a conventional loan?
description: This article discusses how to add funding in a conventional loan.
---

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October 9, 2026

# How to add funding in a conventional loan?

## This article discusses how to add funding in a conventional loan.

The funding process is an **essential** part of the initial loan setup and must be completed before any payments can be processed for a loan. The Mortgage Office® powerful and flexible funding engine allows for **one** or **more lenders** to participate in the loan with varying servicing fees. Loans can be funded **all at once** or **incrementally** during the life of the loan. Mid-period funding and sales/purchases are easily entered and accurately distributed. 

Use the ![db](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/db.png?width=15&height=15&name=db.png)**Add Funding** assistant to account for initial and incremental funding, and also to transfer loan ownership between lenders.

TIP: Funding **increases** the loan's principal balance.

There are 3 ways to add funding to a **conventional** loan in The Mortgage Office®: from the [All Loans grid](https://help.themortgageoffice.com/knowledge/how-to-add-conventional-funding-in-loan-files#all-loans)[,](https://help.themortgageoffice.com/knowledge/how-to-add-conventional-funding-in-loan-files#all-loans-grid) from the [loan file](https://help.themortgageoffice.com/knowledge/how-to-add-conventional-funding-in-loan-files#loan-file), or through [Tasks & Reports.](https://help.themortgageoffice.com/knowledge/how-to-add-conventional-funding-in-loan-files#tasks-and-reports)

### **To add funding from the All Loans grid:**

- Click on ![running](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/running.png?width=15&height=15&name=running.png) **Loan Servicing** in the left panel of The Mortgage Office®.
- Click the **Loans** drop-down.
- Click **Conventional** below **All Loans** from the menu located on the left of the window.
- From the grid, select the loan to add funding.

TIP: If the record you want to edit is not visible, use the grid's vertical scroll bar to scroll the contents of the grid up or down, or click ![FindSearch icon box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/FindSearch%20icon%20box.png?width=214&height=25&name=FindSearch%20icon%20box.png) **Find** to search for the record by entering your own search criteria. For additional information see [How to use find](https://help.themortgageoffice.com/knowledge/how-to-use-find?hsLang=en) and [How to use the data grids.](https://help.themortgageoffice.com/knowledge/how-to-use-the-data-grids?hsLang=en)

- Click ![action-png-1](https://help.themortgageoffice.com/hs-fs/hubfs/action-png-1.png?width=15&height=15&name=action-png-1.png) from the options available on the top panel and select ![db](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/db.png?width=15&height=15&name=db.png)**Add Funding** from the list.

- Enter the following information:

TIP: When entering a funding directly from the **All Loans grid**, the Loan Account field and Current Principal Balance fields are disabled and **automatically** populated with the loan's account number and primary borrower's name, and principal balance.

| **Field:** | **Description:** |
| --- | --- |
| **Loan Account** | Enter the loan's Account **number**. Click ![image-png-Jun-28-2023-05-14-30-9838-PM](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jun-28-2023-05-14-30-9838-PM.png?width=18&height=19&name=image-png-Jun-28-2023-05-14-30-9838-PM.png) to open a lookup window that allows you to select a record from a list of existing records. For more details see [How to use lookup windows.](https://help.themortgageoffice.com/knowledge/how-to-use-lookup-windows?hs_preview=ZvxqWlVz-116799074672&hsLang=en) |
| **Borrower Name** | The primary borrower's **name** and **address** is displayed when a valid loan account is entered. This is a read-only field. |
| **Current Principal Bal.** | The loan's current **principal balance** is displayed when a valid loan account is entered. This is a read-only field. |
| **Funding Date** | Enter the date of the funding. The default is today's date. IMPORTANT: The funding date determines whether the borrower pays a full-period worth of interest or whether interest is prorated to account for a mid-period funding. This date also determines whether the lenders periodic ownership must be adjusted to account for funds received mid-period. TIP: Funding dates less than or equal to the loan's Paid to Date are assumed full period. For example, a funding date of 3/1/2007 to a loan with a paid-to-date of 3/1/2007 will accrue a full period worth of interest (no proration of interest). How Borrower’s Interest is Prorated with a Mid-Period Funding: Loan Principal Balance Note Rate Frequency Interest Paid To Next Payment Due Periodic Interest Accrual Method Calculate Daily Rate Using Calculate Days Between Dates $10,000 16% Monthly 1/1/2007 2/1/2007 Regular Period 365 Day Year Basis Actual Days A $5,000 funding is added on 1/10/2007 which brings the loan’s principal balance to $15,000. The 2/1/2007 payment is received, and interest is calculated as follows: The $10,000 will accrue a full month worth of interest calculated as follows: $10,000 \* .16 / 12 = $133.33 The $5,000 funding on 1/10/2007 will accrue 22-days' worth of interest calculated as follows: There are 22 days from 1/10/2007 to 1/31/2007. 22 \* $5,000 \* .16 / 365 = $48.22 Total interest due by borrower = $133.33 + $48.22 = $181.55 |
| **Reference** | Enter a reference **number**. (Maximum of 10 characters) |
| **Funding Amount** | Enter the **total** amount of the funding. TIP: Enter a zero-dollar amount to record a **sale/purchase** or **transfer** of ownership between two or more lenders. |
| **Select Trust Account** | Select a trust account from the drop-down list. |
| **Notes** | You may enter up to 255 characters to describe the transaction. The notes are attached the loan's transaction and funding history.  TIP: The notes entered are for **internal** use only and are not disclosed to the borrower or lenders. |

- Click **Next**.

TIP: The **Next** button is disabled until the following conditions are met:

- Valid loan **account**
- Valid funding **date**
- Funding **amount** is not blank (You can enter a zero to transfer funds between lenders)

- The **Distribute Funding Amount** step is used to distribute the amount of the draw between one or more lenders. Upon entry, the grid is populated with all the lenders currently funding this loan and it displays each lender's account, name and percentage of ownership. The table below contains a list of the grid's available options:

| **Buttons:** | **Description:** |
| --- | --- |
| ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jul-06-2023-06-20-53-2436-PM.png?width=205&height=34&name=image-png-Jul-06-2023-06-20-53-2436-PM.png) | If needed, click to add one or more new funding lenders. To learn more read [How to add a funding lender](https://help.themortgageoffice.com/knowledge/how-to-add-a-funding-lender?hs_preview=NQMNThvp-119171990892&hsLang=en). TIP: The total funding amount must be distributed before the![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=62&height=24&name=NEXT%20in%20blue%20box.png) **Next** button is enabled. TIP: Enter a **negative** number to account for a purchase/sale or transfer of ownership between lenders. For example, if lender A is selling $5,000 of his ownership to lender B, then enter -$5,000 for lender A and $5,000 for lender B. |
| ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jul-06-2023-06-22-20-0519-PM.png?width=122&height=18&name=image-png-Jul-06-2023-06-22-20-0519-PM.png) | Click to reset all amounts to **zero**. |
| ![](https://help.themortgageoffice.com/hubfs/image-png-Jul-13-2023-09-33-22-6085-PM.png) | Click to distribute the funding amount to all lenders, based on their **ownership** percentage. |

TIP: Check the ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) next to the lender to automatically withdraw the funding amount from the lender's designated bank account via **ACH**. You can Select All or Clear All lenders using the **hyperlinks** at the bottom of the form.

The lender **ACH** information must be setup prior to using this functionality. To learn more see [Setting Up Lender ACH Information](https://help.themortgageoffice.com/knowledge/setting-up-lender-ach-information?hs_preview=vyWIfBGg-121075869278&hsLang=en).

TIP: The **total** funding amount must be distributed before the ![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=59&height=23&name=NEXT%20in%20blue%20box.png) Next button is enabled.

TIP: Enter a **negative** number to account for a purchase/sale or transfer of ownership between lenders. For example, if lender A is selling $5,000 of his ownership to lender B, then enter -$5,000 for lender A and $5,000 for lender B.

- Click **Apply** to enter the funding and update all files or **Cancel** to abort.
- Click ![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=59&height=23&name=NEXT%20in%20blue%20box.png) **Next**.
- Click **Apply** to update the loan or **Cancel** to abort.

TIP: You may use the **Next** and **Back** buttons as needed to retrace your steps and make corrections.

### To add funding from the loan file:

- Click on ![running](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/running.png?width=15&height=15&name=running.png) **Loan Servicing** in the left panel of The Mortgage Office®.
- Click the **Loans** drop-down.
- Click **Conventional** below **All Loans** from the menu located on the left of the window.
- From the grid, select the loan to add funding to.

TIP: If the record you want to edit is not visible, use the grid's vertical scroll bar to scroll the contents of the grid up or down, or click ![FindSearch icon box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/FindSearch%20icon%20box.png?width=222&height=26&name=FindSearch%20icon%20box.png) **Find** to search for the record by entering your own search criteria. For additional information see [How to use find](https://help.themortgageoffice.com/knowledge/how-to-use-find?hs_preview=HVOdZgqP-118552067706&hsLang=en) and [How to use the data grids.](https://help.themortgageoffice.com/knowledge/how-to-use-the-data-grids?hs_preview=iGfLglJv-112766338347&hsLang=en)

- Click ![image-png-Jun-23-2023-06-05-51-9477-AM](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jun-23-2023-06-05-51-9477-AM.png?width=15&height=15&name=image-png-Jun-23-2023-06-05-51-9477-AM.png) from the options available on the top panel or **double-click** on the loan.
- Click ![dollar-sign-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/dollar-sign-solid.png?width=15&height=15&name=dollar-sign-solid.png)**Funding** in the navigation panel on the left.
- Click ![db](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/db.png?width=15&height=15&name=db.png) **Add Funding** to open the **Add Funding assistant**.

- Enter the following information:

TIP: When entering a funding directly from a **loan file**, the Loan Account field is disabled and **automatically** populated with the loan's account number and primary borrower's name, and principal balance.

| **Field:** | **Description:** |
| --- | --- |
| **Loan Account** | Enter the loan's Account **number**. Click ![image-png-Jun-28-2023-05-14-30-9838-PM](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jun-28-2023-05-14-30-9838-PM.png?width=18&height=19&name=image-png-Jun-28-2023-05-14-30-9838-PM.png) to open a lookup window that allows you to select a record from a list of existing records. For more details see [How to use lookup windows.](https://help.themortgageoffice.com/knowledge/how-to-use-lookup-windows?hs_preview=ZvxqWlVz-116799074672&hsLang=en) |
| **Borrower Name** | The primary borrower's **name** and **address** is displayed when a valid loan account is entered. This is a read-only field. |
| **Current Principal Bal.** | The loan's current **principal balance** is displayed when a valid loan account is entered. This is a read-only field. |
| **Funding Date** | Enter the date of the funding. The default is today's date. IMPORTANT: The funding date determines whether the borrower pays a full-period worth of interest or whether interest is prorated to account for a mid-period funding. This date also determines whether the lenders periodic ownership must be adjusted to account for funds received mid-period. TIP: Funding dates less than or equal to the loan's Paid to Date are assumed full period. For example, a funding date of 3/1/2007 to a loan with a paid-to-date of 3/1/2007 will accrue a full period worth of interest (no proration of interest). How Borrower’s Interest is Prorated with a Mid-Period Funding: Loan Principal Balance Note Rate Frequency Interest Paid To Next Payment Due Periodic Interest Accrual Method Calculate Daily Rate Using Calculate Days Between Dates $10,000 16% Monthly 1/1/2007 2/1/2007 Regular Period 365 Day Year Basis Actual Days A $5,000 funding is added on 1/10/2007 which brings the loan’s principal balance to $15,000. The 2/1/2007 payment is received, and interest is calculated as follows: The $10,000 will accrue a full month worth of interest calculated as follows: $10,000 \* .16 / 12 = $133.33 The $5,000 funding on 1/10/2007 will accrue 22-days' worth of interest calculated as follows: There are 22 days from 1/10/2007 to 1/31/2007. 22 \* $5,000 \* .16 / 365 = $48.22 Total interest due by borrower = $133.33 + $48.22 = $181.55 |
| **Reference** | Enter a reference **number**. (Maximum of 10 characters) |
| **Funding Amount** | Enter the **total** amount of the funding. TIP: Enter a zero-dollar amount to record a **sale/purchase** or **transfer** of ownership between two or more lenders. |
| **Select Trust Account** | Select a trust account from the drop-down list. |
| **Notes** | You may enter up to 255 characters to describe the transaction. The notes are attached to the loan's transaction and funding history.  TIP: The notes entered are for **internal** use only and are not disclosed to the borrower or lenders. |

- Click ![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=57&height=22&name=NEXT%20in%20blue%20box.png) **Next**.

TIP: The **Next** button is disabled until the following conditions are met:

- Valid loan **account**
- Valid funding **date**
- Funding **amount** is not blank (You can enter a zero to transfer funds between lenders)

- The **Distribute Funding Amount** step is used to distribute the amount of the draw between one or more lenders. Upon entry, the grid is populated with all the lenders currently funding this loan and it displays each lender's account, name and percentage of ownership. The table below contains a list of the grid's available options:

| **Buttons:** | **Description:** |
| --- | --- |
| ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jul-06-2023-06-20-53-2436-PM.png?width=205&height=34&name=image-png-Jul-06-2023-06-20-53-2436-PM.png) | If needed, click to add one or more new funding lenders. To learn more read [How to add a funding lender](https://help.themortgageoffice.com/knowledge/how-to-add-a-funding-lender?hs_preview=NQMNThvp-119171990892&hsLang=en). TIP: The total funding amount must be distributed before the![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=62&height=24&name=NEXT%20in%20blue%20box.png) **Next** button is enabled. TIP: Enter a **negative** number to account for a purchase/sale or transfer of ownership between lenders. For example, if lender A is selling $5,000 of his ownership to lender B, then enter -$5,000 for lender A and $5,000 for lender B. |
| ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jul-06-2023-06-22-20-0519-PM.png?width=122&height=18&name=image-png-Jul-06-2023-06-22-20-0519-PM.png) | Click to reset all amounts to **zero**. |
| ![](https://help.themortgageoffice.com/hubfs/image-png-Jul-13-2023-09-33-22-6085-PM.png) | Click to distribute the funding amount to all lenders, based on their **ownership** percentage. |

TIP: Check the ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) next to the lender to automatically withdraw the funding amount from the lender's designated bank account via **ACH**. You can Select All or Clear All lenders using the **hyperlinks** at the bottom of the form.

The lender **ACH** information must be setup prior to using this functionality. To learn more see [Setting Up Lender ACH Information](https://help.themortgageoffice.com/knowledge/setting-up-lender-ach-information?hs_preview=vyWIfBGg-121075869278&hsLang=en).

TIP: The **total** funding amount must be distributed before the ![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=59&height=23&name=NEXT%20in%20blue%20box.png) **Next** button is enabled.

TIP: Enter a **negative** number to account for a purchase/sale or transfer of ownership between lenders. For example, if lender A is selling $5,000 of his ownership to lender B, then enter -$5,000 for lender A and $5,000 for lender B.

- - Click **Apply** to enter the funding and update all files or **Cancel** to abort.
    - Click ![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=59&height=23&name=NEXT%20in%20blue%20box.png) **Next**.
    - Click **Apply** to update the loan or **Cancel** to abort.

TIP: You may use the **Next** and **Back** buttons as needed to retrace your steps and make corrections.

### **To add funding from Tasks & Reports:**

- Click on ![running](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/running.png?width=15&height=15&name=running.png) **Loan Servicing** in the left panel of The Mortgage Office®.
- Click on **Tasks & Reports.**
- In the Loan Transactions section, click ![db](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/db.png?width=15&height=15&name=db.png) **Add Funding (Conventional).**

- Enter the following information:

| **Field:** | **Description:** |
| --- | --- |
| **Loan Account** | Enter the loan's Account **number**. Click ![image-png-Jun-28-2023-05-14-30-9838-PM](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jun-28-2023-05-14-30-9838-PM.png?width=18&height=19&name=image-png-Jun-28-2023-05-14-30-9838-PM.png) to open a lookup window that allows you to select a record from a list of existing records. For more details see [How to use lookup windows.](https://help.themortgageoffice.com/knowledge/how-to-use-lookup-windows?hs_preview=ZvxqWlVz-116799074672&hsLang=en) |
| **Borrower Name** | The primary borrower's **name** and **address** is displayed when a valid loan account is entered. This is a read-only field. |
| **Principal Balance** | The loan's current **principal balance** is displayed when a valid loan account is entered. This is a read-only field. |
| **Funding Date** | Enter the date of the funding. The default is today's date. IMPORTANT: The funding date determines whether the borrower pays a full-period worth of interest or whether interest is prorated to account for a mid-period funding. This date also determines whether the lenders periodic ownership must be adjusted to account for funds received mid-period. TIP: Funding dates less than or equal to the loan's Paid to Date are assumed full period. For example, a funding date of 3/1/2007 to a loan with a paid-to-date of 3/1/2007 will accrue a full period worth of interest (no proration of interest). How Borrower’s Interest is Prorated with a Mid-Period Funding Loan Principal Balance Note Rate Frequency Interest Paid To Next Payment Due Periodic Interest Accrual Method Calculate Daily Rate Using Calculate Days Between Dates $10,000 16% Monthly 1/1/2007 2/1/2007 Regular Period 365 Day Year Basis Actual Days A $5,000 funding is added on 1/10/2007 which brings the loan’s principal balance to $15,000. The 2/1/2007 payment is received, and interest is calculated as follows: The $10,000 will accrue a full month worth of interest calculated as follows: $10,000 \* .16 / 12 = $133.33 The $5,000 funding on 1/10/2007 will accrue 22-days' worth of interest calculated as follows: There are 22 days from 1/10/2007 to 1/31/2007. 22 \* $5,000 \* .16 / 365 = $48.22 Total interest due by borrower = $133.33 + $48.22 = $181.55 |
| **Reference** | Enter a reference **number**. (Maximum of 10 characters) |
| **Funding Amount** | Enter the **total** amount of the funding. TIP: Enter a zero-dollar amount to record a **sale/purchase** or **transfer** of ownership between two or more lenders. |
| **Funding Fee** | Enter a fee to charge for adding funding. Enter $0.00 if you are not charging a fee. |
| **Select Trust Account** | Select a trust account from the drop-down list. |
| **Notes** | You may enter up to 255 characters to describe the transaction. The notes are attached the loan's transaction and funding history.  TIP: The notes entered are for **internal** use only and are not disclosed to the borrower or lenders. |

- Click **Next**.

TIP: The **Next** button is disabled until the following conditions are met:

- Valid loan **account**
- Valid funding **date**
- Funding **amount** is not blank (You can enter a zero to transfer funds between lenders)

- The **Distribute Funding Amount** step is used to distribute the amount of the draw between one or more lenders. Upon entry, the grid is populated with all the lenders currently funding this loan and it displays each lender's account, name and percentage of ownership. The table below contains a list of the grid's available options:

| **Buttons:** | **Description:** |
| --- | --- |
| ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jul-06-2023-06-20-53-2436-PM.png?width=205&height=34&name=image-png-Jul-06-2023-06-20-53-2436-PM.png) | If needed, click to add one or more new funding lenders. To learn more read [How to add a funding lender](https://help.themortgageoffice.com/knowledge/how-to-add-a-funding-lender?hs_preview=NQMNThvp-119171990892&hsLang=en). TIP: The total funding amount must be distributed before the![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=62&height=24&name=NEXT%20in%20blue%20box.png) **Next** button is enabled. TIP: Enter a **negative** number to account for a purchase/sale or transfer of ownership between lenders. For example, if lender A is selling $5,000 of his ownership to lender B, then enter -$5,000 for lender A and $5,000 for lender B. |
| ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jul-06-2023-06-22-20-0519-PM.png?width=122&height=18&name=image-png-Jul-06-2023-06-22-20-0519-PM.png) | Click to reset all amounts to **zero**. |
| ![](https://help.themortgageoffice.com/hubfs/image-png-Jul-13-2023-09-33-22-6085-PM.png) | Click to distribute the funding amount to all lenders, based on their **ownership** percentage. |

TIP: Check the ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) next to the lender to automatically withdraw the funding amount from the lender's designated bank account via **ACH**. You can Select All or Clear All lenders using the **hyperlinks** at the bottom of the form.

The lender **ACH** information must be setup prior to using this functionality. To learn more see [Setting Up Lender ACH Information](https://help.themortgageoffice.com/knowledge/setting-up-lender-ach-information?hs_preview=vyWIfBGg-121075869278&hsLang=en).

TIP: The **total** funding amount must be distributed before the ![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=59&height=23&name=NEXT%20in%20blue%20box.png) Next button is enabled.

TIP: Enter a **negative** number to account for a purchase/sale or transfer of ownership between lenders. For example, if lender A is selling $5,000 of his ownership to lender B, then enter -$5,000 for lender A and $5,000 for lender B.

- Click **Apply** to enter the funding and update all files or **Cancel** to abort.
- Click **Next**.
- Click **Apply** to update the loan or **Cancel** to abort.

TIP: You may use the **Next** and **Back** buttons as needed to retrace your steps and make corrections.

 

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