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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$290,072$290,072$382,410
Remaining term (yrs)23.323.330.0
Secondary amount$0$92,338$0
Funding fee$0$0$0
Note rate3.72%3.72%7.18%
Blended rate4.57%5.64%7.42%
1st payment$1,547.86$1,547.86$2,590.58
2nd payment$0.00$692.54$0.00
Taxes / mo$525.00$525.00$525.00
Insurance / mo$150.00$150.00$150.00
MI / mo$237.62$237.62$76.48
HOA / mo$2.08$2.08$2.08
Total monthly$2,462.56$3,155.10$3,344.14
Cash to close$134,828$42,490$42,490