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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$263,955$263,955$303,234
Remaining term (yrs)25.225.230.0
Secondary amount$0$39,279$0
Funding fee$0$0$0
Note rate3.55%3.55%7.11%
Blended rate4.4%4.996%7.35%
1st payment$1,317.66$1,317.66$2,039.88
2nd payment$0.00$294.59$0.00
Taxes / mo$356.33$356.33$356.33
Insurance / mo$150.00$150.00$150.00
MI / mo$206.56$206.56$60.65
HOA / mo$0.00$0.00$0.00
Total monthly$2,030.55$2,325.15$2,606.86
Cash to close$72,972$33,693$33,693