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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$472,491
Remaining term (yrs)29.629.630.0
Secondary amount$0$472,491$0
Funding fee$0$0$0
Note rate5.25%5.25%7.18%
Blended rate5.8%7.75%7.42%
1st payment$0.00$0.00$3,200.82
2nd payment$0.00$3,051.50$0.00
Taxes / mo$446.24$446.24$446.24
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$94.50
HOA / mo$70.00$70.00$70.00
Total monthly$682.91$3,734.41$3,978.22
Cash to close$524,990$52,499$52,499