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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$404,532$404,532$450,000
Remaining term (yrs)28.928.930.0
Secondary amount$0$45,468$0
Funding fee$0$0$0
Note rate6.58%6.58%7.18%
Blended rate7.13%7.319%7.42%
1st payment$2,606.94$2,606.94$3,048.46
2nd payment$0.00$341.01$0.00
Taxes / mo$444.97$444.97$444.97
Insurance / mo$166.67$166.67$166.67
MI / mo$187.47$187.47$90.00
HOA / mo$0.00$0.00$0.00
Total monthly$3,406.05$3,747.06$3,750.09
Cash to close$95,468$50,000$50,000