Simply put the statement balance from the previous month. The software will automatically assume that you have made your payment for the current month and will apply the correct amount towards principle according to your amortization schedule. If the balance amount is still not showing a correct number, simply go to edit and put in the correct amount. Example: A client is created in the system on November 10th. The mortgage balance is entered in as 200,000 on the 10th, the software will assume that information has come from the previous statement and is not including the November payment. The software will then automatically assume the November 1st payment has been made and will update the principle amount according to the amortization schedule.