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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$250,247$250,247$324,000
Remaining term (yrs)24.824.830.0
Secondary amount$0$73,753$0
Funding fee$0$0$0
Note rate3.02%3.02%7.18%
Blended rate3.87%5.038%7.42%
1st payment$1,191.97$1,191.97$2,194.89
2nd payment$0.00$553.14$0.00
Taxes / mo$249.67$249.67$249.67
Insurance / mo$150.00$150.00$150.00
MI / mo$199.75$199.75$64.80
HOA / mo$250.00$250.00$250.00
Total monthly$2,041.39$2,594.53$2,909.36
Cash to close$109,753$36,000$36,000