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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$219,564$219,564$283,500
Remaining term (yrs)23.323.330.0
Secondary amount$0$63,936$0
Funding fee$0$0$0
Note rate3.64%3.64%7.11%
Blended rate4.49%5.507%7.35%
1st payment$1,162.23$1,162.23$1,907.12
2nd payment$0.00$479.52$0.00
Taxes / mo$472.50$472.50$472.50
Insurance / mo$150.00$150.00$150.00
MI / mo$180.18$180.18$56.70
HOA / mo$0.00$0.00$0.00
Total monthly$1,964.91$2,444.43$2,586.32
Cash to close$95,436$31,500$31,500