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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$296,603$296,603$323,910
Remaining term (yrs)27.327.330.0
Secondary amount$0$27,307$0
Funding fee$0$0$0
Note rate6.82%6.82%7.11%
Blended rate7.37%7.507%7.35%
1st payment$1,994.83$1,994.83$2,178.96
2nd payment$0.00$204.80$0.00
Taxes / mo$312.33$312.33$312.33
Insurance / mo$150.00$150.00$150.00
MI / mo$139.96$139.96$64.78
HOA / mo$0.00$0.00$0.00
Total monthly$2,597.13$2,801.93$2,706.08
Cash to close$63,297$35,990$35,990