You're experiencing financial or other hardship that prevents making your next mortgage payment, and can document the source of hardship, which may include: (fhaloanpros.com)
After a grace period of two to three months expires, the mortgage company buys a homeowner's policy from Assurant or another carrier and bills the homeowner at their next mortgage payment. (alephblog.com)
That's the balance after any checks and other transactions have cleared, and after subtracting my next mortgage payment. (money.stackexchange.com)