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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$234,955$234,955$377,910
Remaining term (yrs)25.325.330.0
Secondary amount$0$142,955$0
Funding fee$0$0$0
Note rate3.45%3.45%7.11%
Blended rate4.3%5.7%7.35%
1st payment$1,157.87$1,157.87$2,542.22
2nd payment$0.00$953.03$0.00
Taxes / mo$391.08$391.08$391.08
Insurance / mo$150.00$150.00$150.00
MI / mo$183.79$183.79$75.58
HOA / mo$30.00$30.00$30.00
Total monthly$1,912.74$2,865.77$3,188.89
Cash to close$184,945$41,990$41,990