Borrowers in forbearance can defer all missed payments until the end of their loan...

A new payment deferral option for borrowers in forbearance

(Fannie Mae and Freddie Mac announced) 

• The new program is for borrowers who took forbearance due to a coronavirus-related issue, and will not have to repay their missed payments until the borrower sells their house, refinances their current mortgage, or their mortgage matures.
• Borrower starts making their mortgage payments again when they’re able, and missed payments are deferred to the end of their loan.
• The CARES Act stipulates that a borrower whose mortgage is backed by either the government or the GSEs who is experiencing a COVID-19-related hardship can request and must be granted forbearance of up to 180 days, which then may be extended for another 180 days. Aka shift as many as 12 months of mortgage payments to the end of their loan (including escrow advances... without accruing any additional interest or late fees).
• "...the maturity date, remaining term, interest rate and payment schedule of the borrower’s mortgage remains the same as it was before" (Freddie Mac).
• Servicers are to begin offering this option to borrowers on July 1, 2020 (According to the GSEs and FHFA)

Full Article:

https://www.housingwire.com/articles/fannie-mae-freddie-mac-borrowers-in-forbearance-can-defer-all-missed-payments-until-the-end-of-their-loan/