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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$184,128$184,128$472,410
Remaining term (yrs)15.615.630.0
Secondary amount$0$288,282$0
Funding fee$0$0$0
Note rate3.75%3.75%7.11%
Blended rate4.6%6.522%7.35%
1st payment$1,291.56$1,291.56$3,177.93
2nd payment$0.00$1,861.82$0.00
Taxes / mo$582.67$582.67$582.67
Insurance / mo$166.67$166.67$166.67
MI / mo$197.54$197.54$94.48
HOA / mo$0.00$0.00$0.00
Total monthly$2,238.44$4,100.26$4,021.75
Cash to close$340,772$52,490$52,490