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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$420,064$420,064$571,500
Remaining term (yrs)25.525.530.0
Secondary amount$0$151,436$0
Funding fee$0$0$0
Note rate4.17%4.17%7.11%
Blended rate5.02%5.81%7.35%
1st payment$2,223.64$2,223.64$3,844.52
2nd payment$0.00$1,009.57$0.00
Taxes / mo$626.33$626.33$626.33
Insurance / mo$166.67$166.67$166.67
MI / mo$323.25$323.25$114.30
HOA / mo$59.33$59.33$59.33
Total monthly$3,399.21$4,408.79$4,811.15
Cash to close$214,936$63,500$63,500