What term describes the total amount due, including principal and any unpaid interest along with fees or penalties owed?

The term that describes the total amount due, including principal, any unpaid interest, along with fees or penalties owed, is "Total Debt." This term effectively encompasses all financial obligations a borrower has incurred related to a specific loan. The total debt provides a comprehensive snapshot of the borrower's current financial responsibility towards the loan, distinguishing it from other terms that may represent only partial components of a loan balance.

For example, while "Balance" might refer to the remaining principal amount that the borrower has yet to pay off, it doesn’t inherently include any accrued interest or additional fees that might be applied, such as late fees or prepayment penalties. Similarly, a "Loan Estimate" is a document that outlines the estimated costs and terms of a mortgage loan based on the information provided during the application process, but it does not describe an outstanding amount due at that moment. "Outstanding Amount" might seem similar but generally refers to what is currently owed without encapsulating potential fees or penalties, making "Total Debt" the most appropriate choice.