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Comparison

Side-by-side payments and cash to close

Lowest monthly: Current Market Conventional

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$261,249$261,249$274,950
Remaining term (yrs)27.227.230.0
Secondary amount$0$28,976$0
Funding fee$0$0$0
Note rate7.44%7.44%7.18%
Blended rate7.99%8.378%7.42%
1st payment$1,865.39$1,865.39$1,862.61
2nd payment$0.00$286.74$0.00
Taxes / mo$361.33$361.33$361.33
Insurance / mo$150.00$150.00$150.00
MI / mo$123.00$123.00$54.99
HOA / mo$0.00$0.00$0.00
Total monthly$2,499.72$2,786.47$2,428.93
Cash to close$44,251$15,275$30,550