Mortgage CSV: Check Monthly and Yearly Totals

The short answer

Use “Download CSV”, import its numbers with the correct separator and inspect the first month. Add payment flows within matching loan-year blocks, but compare the remaining balance at the last month of a block instead of adding balances together.

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Preserve the exact scenario first

Before exporting, note the country, loan inputs, first-payment date and any extra-payment settings. Give the scenario a date or descriptive name. A file containing only rows does not explain every assumption that produced them, so keep this note separately. In an illustrative audit, compare an unchanged loan before testing another rate or payment. Otherwise a difference between exports may come from a changed scenario rather than a spreadsheet problem. This guide checks the tool’s output structure, without certifying a lender’s statement or recommending a loan. A bank’s contractual dates and methods remain a separate document to understand.

Know what the CSV button exports

Select “Download CSV” beside the amortisation schedule. The current implementation exports monthly rows even if the screen is showing “Yearly”. That is deliberate: a monthly file can support more detailed examination. It is not a yearly export merely because you pressed the button from that view. Check the first header and the YYYY-MM period labels. The export contains payment, interest, principal, extra payments, insurance, PMI and balance columns. Some fields that are zero may be hidden in the screen table while still present in the CSV, so compare by heading rather than column position alone.

Import separators and decimals together

The English export uses commas between fields and a decimal point in numbers. The German, French and Spanish exports use semicolons and decimal commas. If every row opens in one cell, choose the delimiter during import rather than manually cutting the text. If a monetary column becomes text, check the decimal setting before changing its content. Keep the original file untouched and work on a copy. Spreadsheet programmes have different import dialogues, so the task is to recognise the file’s actual format, not to assume that one menu label exists everywhere. The export’s opening marker also supports UTF-8 text.

Check the first period before the whole total

Compare the first exported period with the “Monthly” screen and read each heading. Verify that you are looking at the same scenario and the same first-payment month. If those cells already disagree, investigate input changes or import settings before summing decades of data. A clear first row can expose a shifted column or a number interpreted as text. Do not overwrite the imported amount with what you expected to see; preserve the discrepancy while identifying its cause. Record whether the difference appears in one component or every money column, since those patterns point to different questions.

Group by loan year rather than guessing calendar years

The yearly screen groups the model by successive loan years from the start. A loan beginning partway through a calendar year can therefore have a yearly label spanning two calendar years. An illustrative first-payment date in July does not make January–December the matching first group. Take the corresponding sequence of months from the export and compare that block. Include a shorter final block if the loan ends early. A spreadsheet grouped automatically by calendar year answers a different question and can be correct while still disagreeing with the screen’s annual rows. Define the period before calling the totals inconsistent.

Add flows, but do not add balances

Payment, interest and the separate repayment components describe amounts within a period. Balance describes what remains after it. To compare a yearly balance, take the balance from the last matching monthly row; adding monthly balances would count successive snapshots as though they were payments. Keep regular principal and extra payments distinct, because the export has separate columns for them. Do not add an extra payment twice by assuming the regular-principal column already means all debt reduction. Insurance and PMI are also separately labelled rather than automatically being part of each column called payment. Follow the meanings in the exported headings.

Investigate precision only after the definitions match

CSV monetary values are written to two decimal places. Use an appropriate number format when a spreadsheet displays more digits from its own arithmetic. A tiny binary display residue is a different issue from a full monthly row omitted from a sum. Compare matching months and components before attributing any difference to rounding. Do not invent a blanket tolerance that would hide a real import mistake. When formulas refer to the wrong range, formatting cannot repair the calculation. Keep the original values and state the formula used so another reader can repeat your arithmetic without guessing your intended period.

Document the result without turning it into a bank record

Save the original CSV, the working copy and the brief explanation of the period grouping. Use “Print / PDF” for a readable tool scenario when that helps discussion. Neither export proves that a payment happened or reproduces every contractual feature of a lender’s schedule. If comparing with a bank document, ask about its dates, costs and calculation basis instead of silently adjusting your spreadsheet to force agreement. The official CFPB material linked here, checked on 22 October 2026, distinguishes the components of a mortgage estimate. This guide explains reconciliation of a model without financial advice or certification of an account.

Questions you might still have

Why did I get months from the yearly view?

The CSV action exports monthly model rows. Group the matching months yourself when comparing with the yearly screen.

Which separator should I choose?

Use commas with decimal points for the English export. The other three language exports use semicolons and decimal commas.

Can I sum the balance column?

Not for a closing balance. Use the balance at the end of the matching period; the column contains successive remaining amounts.

Are extras already regular principal?

The CSV keeps regular principal and extra payments in separate columns. Preserve that distinction when checking debt reduction.

Does a difference prove the bank is wrong?

No. First align scenarios, components and periods. A lender’s contractual calculation can use other assumptions and dates.

Should I change the original CSV?

Keep it intact and edit a working copy. That preserves the evidence for checking an import or formula.

Sources & useful details

These guides are written from the current LoschaZ tools and the sources listed above. Examples are illustrations, not tests on every device or promises of an identical result.