	December 31,
	2020			2019
Loans and finance receivables before allowances and discounts	$	20,436		$	18,199
Allowances for uncollectible loans		(712	)		(167	)
Unamortized acquisition discounts and points		(523	)		(505	)
	$	19,201		$	17,527

Loans and finance receivables are principally manufactured home loans, and to a lesser extent, commercial loans and site-built home loans. Reconciliations of the allowance for credit losses on loans and finance receivables for 2020 and 2019 follow (in millions).

	2020			2019
Balance at beginning of year	$	167		$	177
Adoption of ASC 326		486			—
Provision for credit losses		177			125
Charge-offs, net of recoveries		(118	)		(135	)
Balance at December 31	$	712		$	167

At December 31, 2020, approximately 99% of home loan balances were evaluated collectively for impairment. At December 31, 2020, we considered approximately 97% of the loan balances to be current as to payment status. A summary of performing and non-performing home loans before discounts and allowances by year of loan origination as of December 31, 2020 follows (in millions).

	Loans and Financing Receivables by Origination Year
	2020		2019		2018		2017		2016		Prior		Total
Performing	$	4,430	$	2,537	$	1,928	$	1,424	$	1,276	$	6,645	$	18,240
Non-performing		3		5		7		7		7		43		72
Total	$	4,433	$	2,542	$	1,935	$	1,431	$	1,283	$	6,688	$	18,312

We are party to an agreement with Seritage Growth Properties to provide a $2.0 billion term loan facility, which expires on July 31, 2023. The outstanding loan under the facility was approximately $1.6 billion at December 31, 2020 and 2019, and is secured by mortgages on real estate properties. In 2020, we provided a loan to Lee Enterprises, Inc. in connection with its acquisition of our newspaper operations and the repayment by Lee of its then outstanding credit facilities. The loan balance as of December 31, 2020 was $524 million. We are the sole lender to each of these entities and each of these loans is current as to payment status.