I have a loan assumption that meets the Reg Z definition under 226.20(b). No one here can figure out how to produce the required TIL disclosure. I've been told "there is not a software system in the world that will do that."

Do others give a new TIL, GFE and HUD when they have a loan assumption?
Am I missing something very basic that makes it easier than I realize?

Does anyone out there have any experience with assumptions?

What if you reamortize the loan and then do disclosures?

We did assumptions a lot at my former place of employment. FWIW - they were treated like purchase $ transactions and all applicable disclosures were given.

Evidently if we reamortize the remaining amount over the remaining term, the payment amount changes and they're trying to fix it so that nothing changes.