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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$262,761$262,761$373,500
Remaining term (yrs)24.224.230.0
Secondary amount$0$110,739$0
Funding fee$0$0$0
Note rate2.81%2.81%7.11%
Blended rate3.66%4.947%7.35%
1st payment$1,243.32$1,243.32$2,512.56
2nd payment$0.00$738.26$0.00
Taxes / mo$398.50$398.50$398.50
Insurance / mo$150.00$150.00$150.00
MI / mo$214.06$214.06$74.70
HOA / mo$10.00$10.00$10.00
Total monthly$2,015.87$2,754.14$3,145.76
Cash to close$152,239$41,500$41,500