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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$228,107$228,107$314,910
Remaining term (yrs)23.423.430.0
Secondary amount$0$86,803$0
Funding fee$0$0$0
Note rate3.4%3.4%7.11%
Blended rate4.25%5.559%7.35%
1st payment$1,175.71$1,175.71$2,118.42
2nd payment$0.00$651.02$0.00
Taxes / mo$265.75$265.75$265.75
Insurance / mo$150.00$150.00$150.00
MI / mo$187.79$187.79$62.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,779.24$2,430.27$2,597.15
Cash to close$121,793$34,990$34,990