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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$224,766$224,766$251,910
Remaining term (yrs)24.524.530.0
Secondary amount$0$27,144$0
Funding fee$0$0$0
Note rate3.08%3.08%7.18%
Blended rate3.93%4.476%7.42%
1st payment$1,087.36$1,087.36$1,706.53
2nd payment$0.00$203.58$0.00
Taxes / mo$272.25$272.25$272.25
Insurance / mo$150.00$150.00$150.00
MI / mo$180.83$180.83$50.38
HOA / mo$300.00$300.00$300.00
Total monthly$1,990.44$2,194.02$2,479.16
Cash to close$55,134$27,990$27,990