For EMODs SMDU will derive the loan's pre-modification remaining term (in months) and use the calculated amount, regardless of what is entered. If servicer’s provided "Remaining Term" is different than the value derived by SMDU, the following message will be returned in the SMDU Response: “The value provided by the servicer for the Loan Remaining Term is not equal to the SMDU Derived value. SMDU has used its derived value of [Parametric Value] in the modification evaluation. (Message ID 5710)”.
For all other modification types’ “Remaining Term” you need to calculate the number of months from the evaluation current month until the loan’s maturity date.
For additional information please refer to the "Evaluate for a Workout using SMDU", "How to Use SMDU to Evaluate for a Workout Option AFTER a Disaster-Related Forbearance" or "Evaluate for First-Time Final” sections of the SMDU UI User Guide.