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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$372,600
Remaining term (yrs)29.529.530.0
Secondary amount$0$372,600$0
Funding fee$0$0$0
Note rate6.5%6.5%7.11%
Blended rate7.05%7.75%7.35%
1st payment$0.00$0.00$2,506.50
2nd payment$0.00$2,406.38$0.00
Taxes / mo$351.90$351.90$351.90
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$74.52
HOA / mo$266.00$266.00$266.00
Total monthly$767.90$3,174.28$3,348.92
Cash to close$414,000$41,400$41,400