What Closing Costs Are Involved in an Assumption?

The Assumable Guy Show · May 16, 2026 · 7m

One of the last things holding buyers back from pulling the trigger on an assumption is not knowing what to budget for closing costs. Ryan breaks it all down in this episode. No origination fees, no discount points, no junk fees from a lender trying to squeeze extra money out of you. On a $450,000 home, conventional closing costs run $13,500 to $22,500. On an assumption of the same home, you're looking at $5,000 to $10,000 total, and in some deals Ryan's team negotiates seller concessions that bring that number down even further. He walks through every line item, covers why most assumption…