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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$259,934$259,934$319,410
Remaining term (yrs)24.624.630.0
Secondary amount$0$59,476$0
Funding fee$0$0$0
Note rate3.08%3.08%7.18%
Blended rate3.93%4.874%7.42%
1st payment$1,254.65$1,254.65$2,163.79
2nd payment$0.00$446.07$0.00
Taxes / mo$477.42$477.42$477.42
Insurance / mo$150.00$150.00$150.00
MI / mo$208.65$208.65$63.88
HOA / mo$0.00$0.00$0.00
Total monthly$2,090.72$2,536.79$2,855.09
Cash to close$94,966$35,490$35,490