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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$244,770$244,770$467,910
Remaining term (yrs)19.619.630.0
Secondary amount$0$223,140$0
Funding fee$0$0$0
Note rate3.58%3.58%7.18%
Blended rate4.43%6.013%7.42%
1st payment$1,442.05$1,442.05$3,169.79
2nd payment$0.00$1,441.11$0.00
Taxes / mo$403.33$403.33$403.33
Insurance / mo$166.67$166.67$166.67
MI / mo$225.23$225.23$93.58
HOA / mo$7.42$7.42$7.42
Total monthly$2,244.70$3,685.81$3,840.79
Cash to close$275,130$51,990$51,990