payoff balance + unpaid interest. usually more than balance.
Unpaif tax, insurance, OK
Prepaid interest OK.
Check other cost and see if the broker/lender compensate the same as no cost.
as it is very usually you have no payment for one or two month. The interest for these one or two month will add to the cost. The loan amount has nothing. and you just see the balance.
Post HUD here, many people can help you look at.