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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$239,087$239,087$332,910
Remaining term (yrs)23.923.930.0
Secondary amount$0$93,823$0
Funding fee$0$0$0
Note rate3.01%3.01%7.18%
Blended rate3.86%5.309%7.42%
1st payment$1,166.80$1,166.80$2,255.25
2nd payment$0.00$703.68$0.00
Taxes / mo$286.83$286.83$286.83
Insurance / mo$150.00$150.00$150.00
MI / mo$195.78$195.78$66.58
HOA / mo$515.00$515.00$515.00
Total monthly$2,314.42$3,018.10$3,273.66
Cash to close$130,813$36,990$36,990