After months of difficult negotiations, government authorities announced Thursday that they have reached a $26 billion settlement with five of the nation's biggest banks over their flawed and fraudulent foreclosure practices. The deal is intended to help troubled borrowers by lowering their mortgage rates and the amounts they owe on their homes. It also will provide restitution to people hit by mortgage-related abuses, such as the "robo-signing" of documents to speed up foreclosures. Who will the deal help, and how much relief will they get? Here, a brief guide to the settlement, by the numbers:

$26 billion
Total value of the settlement

$30 billion
Value of the deal if nine more mortgage-servicing institutions sign on to the settlement. To date, it just involves Wells Fargo, Bank of America, J.P. Morgan Chase, Ally Financial, and Citigroup

$17 billion
Relief earmarked for homeowners. The money will go toward lowering mortgage balances for people who are "underwater" — meaning that they owe more on their mortgages than their properties are worth

Approximate average reduction in each loan's principal

2 million
Underwater homeowners who could be helped under the settlement

$700 billion
Total outstanding mortgage debt on the nation's underwater properties

Amount those homeowners are underwater, on average

$3 billion
Relief that will come in the form of refinancing so that borrowers who are current on their mortgages, but underwater, can lower their payments by refinancing at today's historically low rates

$1.5 billion
Money earmarked as restitution to those who have lost homes to foreclosure

People who have lost their homes to foreclosure between January 2008 and the end of 2011 who will be eligible for payouts under the deal

Average payment those people would receive

4 million
Americans who have been through foreclosure since early 2007

States that have signed on to the settlement. The lone holdout is Oklahoma.

$250 billion
Size of the tobacco settlement, a similar agreement between government and corporations, struck in the 1990s

Sources: Business Insider, NY Times, Think Progress, Wash. Post