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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$334,592$334,592$359,910
Remaining term (yrs)29.529.530.0
Secondary amount$0$25,318$0
Funding fee$0$0$0
Note rate6%6%7.18%
Blended rate6.55%6.722%7.42%
1st payment$2,016.19$2,016.19$2,438.16
2nd payment$0.00$189.88$0.00
Taxes / mo$391.08$391.08$391.08
Insurance / mo$150.00$150.00$150.00
MI / mo$154.13$154.13$71.98
HOA / mo$0.00$0.00$0.00
Total monthly$2,711.40$2,901.28$3,051.22
Cash to close$65,308$39,990$39,990