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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$278,170$278,170$301,410
Remaining term (yrs)25.525.530.0
Secondary amount$0$39,985$0
Funding fee$0$0$0
Note rate4.17%4.17%7.18%
Blended rate5.02%5.882%7.42%
1st payment$1,472.51$1,472.51$2,041.86
2nd payment$0.00$395.69$0.00
Taxes / mo$387.92$387.92$387.92
Insurance / mo$150.00$150.00$150.00
MI / mo$214.06$214.06$60.28
HOA / mo$0.00$0.00$0.00
Total monthly$2,224.48$2,620.17$2,640.05
Cash to close$56,730$16,745$33,490