---
title: "Loan Servicing Waterfall Recompute"
method: POST
path: "/v1/tools/compute_loan_servicing_waterfall_recompute"
tags: ["loan-servicing", "payment-waterfall", "payment-application", "escrow", "core-verify", "recompute", "zero network", "zero-PII"]
---

# Loan Servicing Waterfall Recompute

`POST /v1/tools/compute_loan_servicing_waterfall_recompute`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compute_loan_servicing_waterfall_recompute`
- Auth: none declared

Independently recomputes how a single loan payment applies across escrow, fee, interest and principal buckets under the note's own declared application order, then diffs the recomputed breakdown against the core's actual applied amounts. The application order, bucket balances and payment amount are all caller-declared contract terms -- this tool never chooses or infers a posting order, and asserts no universal statutory application order. Reports MATCHES, DIVERGES (with per-bucket deltas), or INDETERMINATE whenever a required input is absent. Recompute and receipt only, never a claim of core-vendor endorsement or that either side's figure is legally correct.

**Tool URL:** https://ainumbers.co/tools/664-loan-servicing-waterfall-recompute.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `application_order` string[], required
  - `bucket_balances` object, required
  - `payment_amount` integer, required
  - `core_applied` object

## Response `200`

Successful tool execution result

- object
  - `computed_applied_by_bucket` object
  - `unapplied_remainder` integer
  - `per_bucket_deltas` unknown[]
    - unknown
  - `verdict` 'MATCHES' | 'DIVERGES' | 'INDETERMINATE'

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)