With semi annual compounding Mortgage your payment goes directly to principle while interest continues to accrue until it is added to your principle twice a year.
There are some places that do Mortgages where interest is calculated in a monthly manner where your payment pays accrued interest outstanding first, and then the remaining portion on principle.
In this case the $4,000 is the interest that has been accrueing in the background and has not yet been added to the principle balance.
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