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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$257,960$257,960$476,910
Remaining term (yrs)24.024.030.0
Secondary amount$0$218,950$0
Funding fee$0$0$0
Note rate2.86%2.86%7.18%
Blended rate3.71%5.565%7.42%
1st payment$1,236.03$1,236.03$3,230.75
2nd payment$0.00$1,414.05$0.00
Taxes / mo$601.83$601.83$601.83
Insurance / mo$166.67$166.67$166.67
MI / mo$211.43$211.43$95.38
HOA / mo$0.00$0.00$0.00
Total monthly$2,215.97$3,630.02$4,094.64
Cash to close$271,940$52,990$52,990