Payment distribution explains how CDM allocates a loan payment across the loan projects that fund the loan. It is separate from the payment allocation fields on the payment form.
Payment allocation answers: how much of this payment goes to fees, interest, escrow, and principal?
Payment distribution answers: how are the fee, interest, and principal portions spread across the loan's project funding lines?
When a payment is saved, CDM creates payment distribution rows for the loan's projects.
If a loan has multiple project funding lines, each project receives a proportional share based on that project's amount compared to the full loan amount.
A saved payment can show a Distributions section with:
CDM recalculates project balances chronologically after payment distributions are created, updated, deleted, or adjusted.
Principal reduces the project balance. Interest and fees are tracked for project-level ledger reporting but do not reduce project principal balance in the same way.
Escrow is part of the payment allocation, but payment distribution focuses on loan project fee, interest, and principal amounts.