<p>Sorry, I don’t know much about the transfer side of things.</p>
<p>I did find this:</p>
<p>
[Transfer</a> Admission](<a href=“http://www.umass.edu/ug_programguide/admissions/transfer.html]Transfer”>Transfer Admission)</p>
<p>This would seem to indicate that if you have exactly 27 credits, they will not require a HS transcript. You will have to ask UMass to be sure.</p>
<p>As for your chances, I don’t really have a feel for the transfer side of things. The web site says this about transfer students:</p>
<p>
So maybe they will ignore your F and give you the benefit of the doubt. Call and ask them what they will do.</p>