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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$219,057$219,057$270,000
Remaining term (yrs)23.823.830.0
Secondary amount$0$50,943$0
Funding fee$0$0$0
Note rate3.28%3.28%7.18%
Blended rate4.13%5.049%7.42%
1st payment$1,102.38$1,102.38$1,829.07
2nd payment$0.00$382.07$0.00
Taxes / mo$297.33$297.33$297.33
Insurance / mo$150.00$150.00$150.00
MI / mo$178.74$178.74$54.00
HOA / mo$404.00$404.00$404.00
Total monthly$2,132.46$2,514.53$2,734.41
Cash to close$80,943$30,000$30,000