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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$269,573$269,573$337,410
Remaining term (yrs)24.324.330.0
Secondary amount$0$67,837$0
Funding fee$0$0$0
Note rate2.81%2.81%7.11%
Blended rate3.66%4.734%7.35%
1st payment$1,272.52$1,272.52$2,269.78
2nd payment$0.00$508.78$0.00
Taxes / mo$357.17$357.17$357.17
Insurance / mo$150.00$150.00$150.00
MI / mo$219.08$219.08$67.48
HOA / mo$0.00$0.00$0.00
Total monthly$1,998.77$2,507.54$2,844.43
Cash to close$105,327$37,490$37,490