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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$268,877$268,877$323,910
Remaining term (yrs)26.026.030.0
Secondary amount$0$55,033$0
Funding fee$0$0$0
Note rate5.66%5.66%7.18%
Blended rate6.51%6.933%7.42%
1st payment$1,645.46$1,645.46$2,194.28
2nd payment$0.00$412.75$0.00
Taxes / mo$297.83$297.83$297.83
Insurance / mo$150.00$150.00$150.00
MI / mo$201.70$201.70$64.78
HOA / mo$0.00$0.00$0.00
Total monthly$2,294.99$2,707.74$2,706.89
Cash to close$91,023$35,990$35,990