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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$419,836$419,836$476,910
Remaining term (yrs)29.029.030.0
Secondary amount$0$57,074$0
Funding fee$0$0$0
Note rate6.35%6.35%7.11%
Blended rate6.9%7.151%7.35%
1st payment$2,640.13$2,640.13$3,208.20
2nd payment$0.00$428.05$0.00
Taxes / mo$352.83$352.83$352.83
Insurance / mo$166.67$166.67$166.67
MI / mo$194.47$194.47$95.38
HOA / mo$0.00$0.00$0.00
Total monthly$3,354.10$3,782.15$3,823.09
Cash to close$110,064$52,990$52,990