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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$223,433$223,433$719,910
Remaining term (yrs)21.421.430.0
Secondary amount$0$496,477$0
Funding fee$0$0$0
Note rate4.330%4.330%7.400%
Blended rate5.180%6.952%7.640%
1st payment$1,329.13$1,329.13$4,984.51
2nd payment$0.00$3,206.41$0.00
Taxes / mo$246.25$246.25$246.25
Insurance / mo$216.67$216.67$216.67
MI / mo$189.57$189.57$143.98
HOA / mo$10.42$10.42$10.42
Total monthly$1,992.03$5,198.45$5,601.83
Cash to close$576,467$79,990$79,990