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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
Current Market Conventional
New · Conventional
Loan amount$321,046$305,550
Remaining term (yrs)29.430.0
Secondary amount$0$0
Funding fee$0$0
Note rate6.1%7.18%
Blended rate6.65%7.42%
1st payment$1,957.14$2,069.90
2nd payment$0.00$0.00
Taxes / mo$401.83$401.83
Insurance / mo$150.00$150.00
MI / mo$148.02$61.11
HOA / mo$523.00$523.00
Total monthly$3,180.00$3,205.85
Cash to close$18,454$33,950