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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$211,085$211,085$490,410
Remaining term (yrs)15.415.430.0
Secondary amount$0$279,325$0
Funding fee$0$0$0
Note rate3.75%3.75%7.11%
Blended rate4.6%6.394%7.35%
1st payment$1,498.18$1,498.18$3,299.02
2nd payment$0.00$1,803.98$0.00
Taxes / mo$463.33$463.33$463.33
Insurance / mo$166.67$166.67$166.67
MI / mo$229.15$229.15$98.08
HOA / mo$0.00$0.00$0.00
Total monthly$2,357.32$4,161.30$4,027.10
Cash to close$333,815$54,490$54,490