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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$264,374$264,374$292,500
Remaining term (yrs)28.128.130.0
Secondary amount$0$28,126$0
Funding fee$0$0$0
Note rate6.54%6.54%7.18%
Blended rate7.09%7.274%7.42%
1st payment$1,713.81$1,713.81$1,981.50
2nd payment$0.00$210.94$0.00
Taxes / mo$288.67$288.67$288.67
Insurance / mo$150.00$150.00$150.00
MI / mo$123.76$123.76$58.50
HOA / mo$0.00$0.00$0.00
Total monthly$2,276.24$2,487.18$2,478.66
Cash to close$60,626$32,500$32,500