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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$336,150$336,150$359,100
Remaining term (yrs)24.924.930.0
Secondary amount$0$42,900$0
Funding fee$0$0$0
Note rate3.01%3.01%7.18%
Blended rate3.86%4.767%7.42%
1st payment$1,595.81$1,595.81$2,432.67
2nd payment$0.00$424.53$0.00
Taxes / mo$365.33$365.33$365.33
Insurance / mo$150.00$150.00$150.00
MI / mo$267.77$267.77$71.82
HOA / mo$0.00$0.00$0.00
Total monthly$2,378.91$2,803.44$3,019.82
Cash to close$62,850$19,950$39,900