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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$355,690$355,690$377,910
Remaining term (yrs)28.128.130.0
Secondary amount$0$43,215$0
Funding fee$0$0$0
Note rate6.6%6.6%7.18%
Blended rate7.15%7.662%7.42%
1st payment$2,319.60$2,319.60$2,560.09
2nd payment$0.00$427.65$0.00
Taxes / mo$269.67$269.67$269.67
Insurance / mo$150.00$150.00$150.00
MI / mo$166.47$166.47$75.58
HOA / mo$0.00$0.00$0.00
Total monthly$2,905.74$3,333.38$3,055.34
Cash to close$64,210$20,995$41,990