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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$77,945$77,945$625,500
Remaining term (yrs)6.26.230.0
Secondary amount$0$547,555$0
Funding fee$0$0$0
Note rate3.2%3.2%7.18%
Blended rate4.05%7.289%7.42%
1st payment$1,134.39$1,134.39$4,237.35
2nd payment$0.00$3,536.29$0.00
Taxes / mo$593.42$593.42$593.42
Insurance / mo$166.67$166.67$166.67
MI / mo$114.75$114.75$125.10
HOA / mo$800.00$800.00$800.00
Total monthly$2,809.22$6,345.52$5,922.54
Cash to close$617,055$69,500$69,500