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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$0$0$575,991
Remaining term (yrs)——30.0
Secondary amount$0$575,991$0
Funding fee$0$0$0
Note rate3.5%3.5%7.11%
Blended rate4.35%7.75%7.35%
1st payment$0.00$0.00$3,874.73
2nd payment$0.00$3,719.94$0.00
Taxes / mo$162.33$162.33$162.33
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$115.20
HOA / mo$18.00$18.00$18.00
Total monthly$347.00$4,066.94$4,336.93
Cash to close$639,990$63,999$63,999