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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$236,036$236,036$328,500
Remaining term (yrs)22.422.430.0
Secondary amount$0$92,464$0
Funding fee$0$0$0
Note rate4.46%4.46%7.11%
Blended rate5.31%6.349%7.35%
1st payment$1,386.49$1,386.49$2,209.84
2nd payment$0.00$693.48$0.00
Taxes / mo$537.33$537.33$537.33
Insurance / mo$150.00$150.00$150.00
MI / mo$194.74$194.74$65.70
HOA / mo$0.00$0.00$0.00
Total monthly$2,268.57$2,962.05$2,962.87
Cash to close$128,964$36,500$36,500