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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$207,193$207,193$495,000
Remaining term (yrs)25.325.330.0
Secondary amount$0$287,807$0
Funding fee$0$0$0
Note rate3.22%3.22%7.18%
Blended rate4.07%6.21%7.42%
1st payment$995.67$995.67$3,353.30
2nd payment$0.00$1,858.75$0.00
Taxes / mo$407.17$407.17$407.17
Insurance / mo$166.67$166.67$166.67
MI / mo$162.67$162.67$99.00
HOA / mo$0.00$0.00$0.00
Total monthly$1,732.17$3,590.92$4,026.14
Cash to close$342,807$55,000$55,000