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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$426,053$426,053$436,500
Remaining term (yrs)25.625.630.0
Secondary amount$0$34,697$0
Funding fee$0$0$0
Note rate5.51%5.51%7.11%
Blended rate6.36%6.775%7.35%
1st payment$2,583.54$2,583.54$2,936.36
2nd payment$0.00$343.36$0.00
Taxes / mo$405.67$405.67$405.67
Insurance / mo$166.67$166.67$166.67
MI / mo$321.95$321.95$87.30
HOA / mo$0.00$0.00$0.00
Total monthly$3,477.82$3,821.18$3,596.00
Cash to close$58,947$24,250$48,500