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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$250,750$250,750$296,910
Remaining term (yrs)28.528.530.0
Secondary amount$0$46,160$0
Funding fee$0$0$0
Note rate6.81%6.81%7.11%
Blended rate7.36%7.615%7.35%
1st payment$1,659.96$1,659.96$1,997.33
2nd payment$0.00$346.20$0.00
Taxes / mo$134.04$134.04$134.04
Insurance / mo$150.00$150.00$150.00
MI / mo$116.58$116.58$59.38
HOA / mo$305.00$305.00$305.00
Total monthly$2,365.58$2,711.78$2,645.75
Cash to close$79,150$32,990$32,990