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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$368,257$368,257$373,410
Remaining term (yrs)27.927.930.0
Secondary amount$0$25,898$0
Funding fee$0$0$0
Note rate6.49%6.49%7.11%
Blended rate7.04%7.358%7.35%
1st payment$2,380.31$2,380.31$2,511.95
2nd payment$0.00$256.28$0.00
Taxes / mo$440.67$440.67$440.67
Insurance / mo$150.00$150.00$150.00
MI / mo$172.78$172.78$74.68
HOA / mo$0.00$0.00$0.00
Total monthly$3,143.76$3,400.04$3,177.30
Cash to close$46,643$20,745$41,490