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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$251,685$251,685$382,410
Remaining term (yrs)23.523.530.0
Secondary amount$0$130,725$0
Funding fee$0$0$0
Note rate3.45%3.45%7.11%
Blended rate4.3%5.565%7.35%
1st payment$1,297.92$1,297.92$2,572.50
2nd payment$0.00$871.50$0.00
Taxes / mo$431.92$431.92$431.92
Insurance / mo$150.00$150.00$150.00
MI / mo$206.01$206.01$76.48
HOA / mo$258.00$258.00$258.00
Total monthly$2,343.85$3,215.34$3,488.90
Cash to close$173,215$42,490$42,490