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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$235,324$235,324$359,910
Remaining term (yrs)25.325.330.0
Secondary amount$0$124,586$0
Funding fee$0$0$0
Note rate3.55%3.55%7.11%
Blended rate4.4%5.646%7.35%
1st payment$1,172.35$1,172.35$2,421.14
2nd payment$0.00$830.57$0.00
Taxes / mo$391.08$391.08$391.08
Insurance / mo$150.00$150.00$150.00
MI / mo$183.79$183.79$71.98
HOA / mo$30.00$30.00$30.00
Total monthly$1,927.22$2,757.79$3,064.20
Cash to close$164,576$39,990$39,990