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Comparison

Side-by-side payments and cash to close

Lowest monthly: Assumable Loan

Total monthly

Payment stack including taxes, insurance, and HOA

Cash to close

Down payment / equity bring-to

Detail
Assumable Loan
Assumable · FHA
Assumable Loan + Second
Assumable · FHA
Current Market Conventional
New · Conventional
Loan amount$225,126$225,126$279,000
Remaining term (yrs)25.725.730.0
Secondary amount$0$53,874$0
Funding fee$0$0$0
Note rate5.23%5.23%7.18%
Blended rate6.08%6.644%7.42%
1st payment$1,325.41$1,325.41$1,890.04
2nd payment$0.00$404.05$0.00
Taxes / mo$415.00$415.00$415.00
Insurance / mo$150.00$150.00$150.00
MI / mo$170.40$170.40$55.80
HOA / mo$0.00$0.00$0.00
Total monthly$2,060.81$2,464.86$2,510.84
Cash to close$84,874$31,000$31,000