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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$248,278$248,278$377,100
Remaining term (yrs)21.521.530.0
Secondary amount$0$128,822$0
Funding fee$0$0$0
Note rate4.45%4.45%7.18%
Blended rate5.3%6.222%7.42%
1st payment$1,493.18$1,493.18$2,554.61
2nd payment$0.00$858.81$0.00
Taxes / mo$407.25$407.25$407.25
Insurance / mo$150.00$150.00$150.00
MI / mo$209.97$209.97$75.42
HOA / mo$0.00$0.00$0.00
Total monthly$2,260.40$3,119.21$3,187.28
Cash to close$170,722$41,900$41,900