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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$427,491
Remaining term (yrs)29.629.630.0
Secondary amount$0$427,491$0
Funding fee$0$0$0
Note rate6.5%6.5%7.18%
Blended rate7.05%7.75%7.42%
1st payment$0.00$0.00$2,895.97
2nd payment$0.00$2,760.88$0.00
Taxes / mo$4.50$4.50$4.50
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$85.50
HOA / mo$175.00$175.00$175.00
Total monthly$346.17$3,107.05$3,327.64
Cash to close$474,990$47,499$47,499