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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$855,562$855,562$1,755,000
Remaining term (yrs)17.217.230.0
Secondary amount$0$899,438$0
Funding fee$0$0$0
Note rate3.96%3.96%7.11%
Blended rate4.81%6.317%7.35%
1st payment$5,691.72$5,691.72$11,806.00
2nd payment$0.00$5,808.87$0.00
Taxes / mo$2,189.08$2,189.08$2,189.08
Insurance / mo$216.67$216.67$216.67
MI / mo$848.57$848.57$351.00
HOA / mo$116.67$116.67$116.67
Total monthly$9,062.71$14,871.58$14,679.42
Cash to close$1,094,438$195,000$195,000