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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$332,106$332,106$492,750
Remaining term (yrs)24.924.930.0
Secondary amount$0$160,644$0
Funding fee$0$0$0
Note rate2.87%2.87%7.11%
Blended rate3.72%5.115%7.35%
1st payment$1,552.52$1,552.52$3,314.76
2nd payment$0.00$1,070.96$0.00
Taxes / mo$386.17$386.17$386.17
Insurance / mo$166.67$166.67$166.67
MI / mo$265.23$265.23$98.55
HOA / mo$144.00$144.00$144.00
Total monthly$2,514.58$3,585.54$4,110.14
Cash to close$215,394$54,750$54,750