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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$304,356$304,356$327,600
Remaining term (yrs)25.525.530.0
Secondary amount$0$41,444$0
Funding fee$0$0$0
Note rate5.11%5.11%7.18%
Blended rate5.96%6.669%7.42%
1st payment$1,775.77$1,775.77$2,219.28
2nd payment$0.00$410.13$0.00
Taxes / mo$416.17$416.17$416.17
Insurance / mo$150.00$150.00$150.00
MI / mo$231.41$231.41$65.52
HOA / mo$0.00$0.00$0.00
Total monthly$2,573.34$2,983.47$2,850.96
Cash to close$59,644$18,200$36,400