Question about total balance due on mortgage after deferment

[David S.]

Hello. 

Let’s say I took a mortgage deferment for 10 months because of COVID on my home loan. Deferment freezes interest. 

The total I owe on the home prior to the covid deferment is 100k. My payments are 1k a month. I suspend payments for 10 months. Would the total amount owed on the mortgage after forbearance be original balance plus the missed 10 payments (100k+ 10k = 110k) or would the new balance after forbearance be closer to 100k? Thanks