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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$249,934$249,934$405,000
Remaining term (yrs)25.925.930.0
Secondary amount$0$155,066$0
Funding fee$0$0$0
Note rate5.13%5.13%7.11%
Blended rate5.98%6.753%7.35%
1st payment$1,452.17$1,452.17$2,724.46
2nd payment$0.00$1,033.77$0.00
Taxes / mo$691.58$691.58$691.58
Insurance / mo$150.00$150.00$150.00
MI / mo$188.81$188.81$81.00
HOA / mo$0.00$0.00$0.00
Total monthly$2,482.56$3,516.33$3,647.04
Cash to close$200,066$45,000$45,000