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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$362,572$362,572$472,500
Remaining term (yrs)24.324.330.0
Secondary amount$0$109,928$0
Funding fee$0$0$0
Note rate2.74%2.74%7.11%
Blended rate3.59%4.616%7.35%
1st payment$1,698.56$1,698.56$3,178.54
2nd payment$0.00$732.85$0.00
Taxes / mo$424.33$424.33$424.33
Insurance / mo$166.67$166.67$166.67
MI / mo$295.10$295.10$94.50
HOA / mo$25.00$25.00$25.00
Total monthly$2,609.66$3,342.51$3,889.04
Cash to close$162,428$52,500$52,500