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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$449,130$449,130$535,500
Remaining term (yrs)24.624.630.0
Secondary amount$0$86,370$0
Funding fee$0$0$0
Note rate2.96%2.96%7.18%
Blended rate3.81%4.647%7.42%
1st payment$2,139.87$2,139.87$3,627.66
2nd payment$0.00$647.77$0.00
Taxes / mo$719.20$719.20$719.20
Insurance / mo$166.67$166.67$166.67
MI / mo$361.36$361.36$107.10
HOA / mo$0.00$0.00$0.00
Total monthly$3,387.10$4,034.87$4,620.64
Cash to close$145,870$59,500$59,500