If localhost is also borg backup host, then access repository directly (not over ssh).

borg2-umount-archiv.sh

@@ -253,7 +253,11 @@ fi
 
 [[ -z "${BORG_FUSE_MOUNT_DIR}" ]] && BORG_FUSE_MOUNT_DIR="${DEFAULT_BORG_FUSE_MOUNT_DIR}"
 
-BORG_URL="ssh://${SSH_USER}@${BORG_HOST}:${SSH_PORT}${BORG_REPO}"
+if [[ "${BORG_HOST,,}" == "localhost" ]] ; then
+   BORG_URL="file://${BORG_REPO}"
+else
+   BORG_URL="ssh://${SSH_USER}@${BORG_HOST}:${SSH_PORT}${BORG_REPO}"
+fi
 
 export BORG_PASSPHRASE
 export BORG_REPO