loan amortization (with or without surrender charges)

[Guest TracyAndrews]

We have a participant who just took a $15,000 loan for a primary residence. However, his individual account is invested in B-shares from which there was a penalty on distribution. He received few hundred dollars less than the $15,000 he asked for on the loan request form. Which amortization schedule is proper to use, the net figure or the $15,000 figure? I would think this happens often enough that there is a simple answer, although I don't know what it is. Thanks.