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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$219,581$219,581$265,410
Remaining term (yrs)20.820.830.0
Secondary amount$0$45,829$0
Funding fee$0$0$0
Note rate3.97%3.97%7.18%
Blended rate4.82%5.542%7.42%
1st payment$1,289.11$1,289.11$1,797.98
2nd payment$0.00$343.72$0.00
Taxes / mo$457.40$457.40$457.40
Insurance / mo$150.00$150.00$150.00
MI / mo$191.96$191.96$53.08
HOA / mo$0.00$0.00$0.00
Total monthly$2,088.48$2,432.20$2,458.47
Cash to close$75,319$29,490$29,490