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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$82,911$82,911$315,855
Remaining term (yrs)16.016.030.0
Secondary amount$0$232,944$0
Funding fee$0$0$0
Note rate3.360%3.360%7.400%
Blended rate4.210%6.821%7.640%
1st payment$554.50$554.50$2,186.92
2nd payment$0.00$1,504.43$0.00
Taxes / mo$269.17$269.17$269.17
Insurance / mo$150.00$150.00$150.00
MI / mo$89.01$89.01$63.17
HOA / mo$0.00$0.00$0.00
Total monthly$1,062.67$2,567.10$2,669.25
Cash to close$268,039$35,095$35,095