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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$276,063$276,063$382,500
Remaining term (yrs)23.023.030.0
Secondary amount$0$106,437$0
Funding fee$0$0$0
Note rate3.49%3.49%7.18%
Blended rate4.34%5.358%7.42%
1st payment$1,452.76$1,452.76$2,591.19
2nd payment$0.00$709.58$0.00
Taxes / mo$392.08$392.08$392.08
Insurance / mo$150.00$150.00$150.00
MI / mo$229.45$229.45$76.50
HOA / mo$0.00$0.00$0.00
Total monthly$2,224.29$2,933.87$3,209.77
Cash to close$148,937$42,500$42,500