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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$253,972$253,972$359,910
Remaining term (yrs)23.423.430.0
Secondary amount$0$105,938$0
Funding fee$0$0$0
Note rate3.49%3.49%7.18%
Blended rate4.34%5.417%7.42%
1st payment$1,321.09$1,321.09$2,438.16
2nd payment$0.00$706.26$0.00
Taxes / mo$350.33$350.33$350.33
Insurance / mo$150.00$150.00$150.00
MI / mo$208.65$208.65$71.98
HOA / mo$0.00$0.00$0.00
Total monthly$2,030.07$2,736.33$3,010.47
Cash to close$145,928$39,990$39,990