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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$321,135$321,135$352,350
Remaining term (yrs)25.825.830.0
Secondary amount$0$31,215$0
Funding fee$0$0$0
Note rate4.99%4.99%7.18%
Blended rate5.84%6.12%7.42%
1st payment$1,842.21$1,842.21$2,386.94
2nd payment$0.00$234.11$0.00
Taxes / mo$326.17$326.17$326.17
Insurance / mo$150.00$150.00$150.00
MI / mo$243.36$243.36$70.47
HOA / mo$0.00$0.00$0.00
Total monthly$2,561.73$2,795.84$2,933.58
Cash to close$70,365$39,150$39,150