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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$256,741$256,741$449,910
Remaining term (yrs)19.719.730.0
Secondary amount$0$193,169$0
Funding fee$0$0$0
Note rate3.6%3.6%7.18%
Blended rate4.45%5.974%7.42%
1st payment$1,510.85$1,510.85$3,047.85
2nd payment$0.00$1,287.79$0.00
Taxes / mo$479.67$479.67$479.67
Insurance / mo$166.67$166.67$166.67
MI / mo$235.39$235.39$89.98
HOA / mo$0.00$0.00$0.00
Total monthly$2,392.57$3,680.36$3,784.16
Cash to close$243,159$49,990$49,990