Hello, my name is Ash. I’m a long-time mutual aid organizer in our area—food distro, rides, emergency financial aid, pop-up free stores. I’m proud of the work we’ve done together. Now I’m the one who needs the net. I’m $10,000 short on closing costs due Oct 17th. If I miss this, I lose the chance at stable housing and risk homelessness. I’ll post redacted docs and receipts; any amount or share helps.

Full story

This October I have a chance to move from housing instability into a safe, stable home for me/my family/pets. The loan is approved, inspection and appraisal are scheduled, and I’m ready to close—except I’m short on closing costs.

For mutual-aid folks (and anyone who’s seen me around)

You know me. I’ve spent years doing the unglamorous logistics—cooking, packing, tabling, delivering, and signal-boosting fundraisers—so neighbors get what they need. I don’t say that to flex; I say it so you know I’m not new here. Right now I’m asking for the same solidarity I try to show others. Help me clear this last hurdle so I can stay housed and keep doing the work—just from a stable home base.

Why I’m short (the quick version)

The past few months hit like dominos:

Medical emergencies with out-of-pocket costs I couldn’t avoid

Hot water heater failure that flooded and wiped out my savings buffer

Partner’s unemployment gap, cutting our household income

A pileup of unexpected fees and repairs tied to staying barely afloat

I trimmed expenses, sold what I could, picked up extra shifts, and asked for payment plans. This is the last piece I can’t cover in time for the deadline.

Where the money goes (transparent breakdown)

Amounts are estimates and will be updated as I get them.

Escrow/Title & recording fees — $1,800

Lender/Origination & appraisal — $1,800

Title insurance — $1,000

Prepaids (insurance, taxes, interest, escrow cushion) — $2,800

Utility deposits & basic safety setup — $500

Processing-fee buffer — $350

Emergency cushion to stabilize after medical bills, hot water heater failure, and income gap — $1,750

Total: $10,000

(I’ll upload my redacted Loan Estimate/closing disclosure so you can see the line items.)

Why this matters

Housing stability changes everything: safer nights, consistent routines, and the capacity to keep showing up for community. This isn’t about “deserving”—it’s about preventing a preventable crisis and keeping one more family housed.

Proof & updates

I’ll post:

Redacted docs (Loan Estimate, closing date notice)

Receipts for anything paid

Short, factual updates at 25% / 50% / 75% / funded / closed

If we fall short or go over

Short: I’ll prioritize the most time-sensitive closing items (escrow/title) and explain the plan.

Over: Anything beyond closing costs covers immediate move-in basics (utility deposits, safety items). I’ll document it.

Thank you for treating this like we treat everything in mutual aid: practical, transparent, neighbor-to-neighbor.

In Solidarity

- Ash