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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$232,880$232,880$611,910
Remaining term (yrs)23.123.130.0
Secondary amount$0$379,030$0
Funding fee$0$0$0
Note rate3.7%3.7%7.18%
Blended rate4.55%6.532%7.42%
1st payment$1,245.78$1,245.78$4,145.29
2nd payment$0.00$2,447.90$0.00
Taxes / mo$533.08$533.08$533.08
Insurance / mo$166.67$166.67$166.67
MI / mo$191.71$191.71$122.38
HOA / mo$0.00$0.00$0.00
Total monthly$2,137.24$4,585.15$4,967.42
Cash to close$447,020$67,990$67,990