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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$303,877$303,877$359,999
Remaining term (yrs)25.525.530.0
Secondary amount$0$56,122$0
Funding fee$0$0$0
Note rate4.98%4.98%7.18%
Blended rate5.83%6.324%7.42%
1st payment$1,749.75$1,749.75$2,438.76
2nd payment$0.00$420.92$0.00
Taxes / mo$416.17$416.17$416.17
Insurance / mo$150.00$150.00$150.00
MI / mo$231.41$231.41$72.00
HOA / mo$0.00$0.00$0.00
Total monthly$2,547.32$2,968.24$3,076.93
Cash to close$96,122$40,000$40,000