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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$532,009$532,009$607,410
Remaining term (yrs)28.928.930.0
Secondary amount$0$75,401$0
Funding fee$0$0$0
Note rate6.3%6.3%7.18%
Blended rate6.85%7.117%7.42%
1st payment$3,331.66$3,331.66$4,114.81
2nd payment$0.00$565.51$0.00
Taxes / mo$563.75$563.75$563.75
Insurance / mo$166.67$166.67$166.67
MI / mo$246.70$246.70$121.48
HOA / mo$0.00$0.00$0.00
Total monthly$4,308.78$4,874.29$4,966.71
Cash to close$142,891$67,490$67,490