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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$269,404$269,404$366,750
Remaining term (yrs)24.324.330.0
Secondary amount$0$97,346$0
Funding fee$0$0$0
Note rate2.780%2.780%7.400%
Blended rate3.630%5.055%7.640%
1st payment$1,267.59$1,267.59$2,539.30
2nd payment$0.00$730.10$0.00
Taxes / mo$343.58$343.58$343.58
Insurance / mo$150.00$150.00$150.00
MI / mo$219.08$219.08$73.35
HOA / mo$0.00$0.00$0.00
Total monthly$1,980.25$2,710.35$3,106.24
Cash to close$138,096$40,750$40,750