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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$251,202$251,202$299,700
Remaining term (yrs)25.625.630.0
Secondary amount$0$48,498$0
Funding fee$0$0$0
Note rate5.3%5.3%7.18%
Blended rate6.15%6.611%7.42%
1st payment$1,491.66$1,491.66$2,030.27
2nd payment$0.00$363.73$0.00
Taxes / mo$435.33$435.33$435.33
Insurance / mo$150.00$150.00$150.00
MI / mo$190.27$190.27$59.94
HOA / mo$0.00$0.00$0.00
Total monthly$2,267.27$2,631.00$2,675.55
Cash to close$81,798$33,300$33,300