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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$31,597$31,597$332,910
Remaining term (yrs)21.521.530.0
Secondary amount$0$301,313$0
Funding fee$0$0$0
Note rate3.92%3.92%7.18%
Blended rate4.77%7.467%7.42%
1st payment$180.54$180.54$2,255.25
2nd payment$0.00$1,945.98$0.00
Taxes / mo$315.83$315.83$315.83
Insurance / mo$150.00$150.00$150.00
MI / mo$25.00$25.00$66.58
HOA / mo$0.00$0.00$0.00
Total monthly$671.37$2,617.35$2,787.66
Cash to close$338,303$36,990$36,990