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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$322,105$322,105$331,650
Remaining term (yrs)29.029.030.0
Secondary amount$0$27,970$0
Funding fee$0$0$0
Note rate6.24%6.24%7.11%
Blended rate6.79%7.196%7.35%
1st payment$2,002.66$2,002.66$2,231.03
2nd payment$0.00$276.78$0.00
Taxes / mo$317.00$317.00$317.00
Insurance / mo$150.00$150.00$150.00
MI / mo$149.23$149.23$66.33
HOA / mo$0.00$0.00$0.00
Total monthly$2,618.89$2,895.68$2,764.36
Cash to close$46,395$18,425$36,850