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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$307,530$307,530$382,500
Remaining term (yrs)24.124.130.0
Secondary amount$0$74,970$0
Funding fee$0$0$0
Note rate2.93%2.93%7.18%
Blended rate3.78%4.803%7.42%
1st payment$1,481.07$1,481.07$2,591.19
2nd payment$0.00$562.28$0.00
Taxes / mo$396.75$396.75$396.75
Insurance / mo$150.00$150.00$150.00
MI / mo$251.08$251.08$76.50
HOA / mo$0.00$0.00$0.00
Total monthly$2,278.90$2,841.18$3,214.44
Cash to close$117,470$42,500$42,500