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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$184,119$184,119$391,500
Remaining term (yrs)18.518.530.0
Secondary amount$0$207,381$0
Funding fee$0$0$0
Note rate3.62%3.62%7.18%
Blended rate4.47%6.207%7.42%
1st payment$1,131.90$1,131.90$2,652.16
2nd payment$0.00$1,339.34$0.00
Taxes / mo$509.25$509.25$509.25
Insurance / mo$150.00$150.00$150.00
MI / mo$175.91$175.91$78.30
HOA / mo$0.00$0.00$0.00
Total monthly$1,967.07$3,306.41$3,389.71
Cash to close$250,881$43,500$43,500