Annual FHA Notice Disclosure - Prepayment Amount MUCH Higher Than Loan Balance?

I received from my lender today an Annual FHA Disclosure. On it, it says "The amount listed below is the amount outstanding on the loan for repayment of the indebtedness due under your mortgage."

What does this mean? The amount listed is $45,000 more than the loan balance, so I can t imagine that it s a prepayment amount, especially since it specifically says that I can prepay my mortgage without penalty right below this line.

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