The amount you enter is the principal balance as of January 1, 2021. You do not have to add the outstanding interest on the loan that will be paid if you held onto it until maturity.
You can get this information on your mortgage statement as of January 2021 or your amortization schedule provided by the mortgage lender. They should be able to be to provide a close estimate based on the amortization schedule they are referring to.
@BlakeT20
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