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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$5,381$5,381$301,410
Remaining term (yrs)15.515.530.0
Secondary amount$0$296,029$0
Funding fee$0$0$0
Note rate3.17%3.17%7.18%
Blended rate4.02%7.683%7.42%
1st payment$36.35$36.35$2,041.86
2nd payment$0.00$1,911.85$0.00
Taxes / mo$401.75$401.75$401.75
Insurance / mo$150.00$150.00$150.00
MI / mo$4.73$4.73$60.28
HOA / mo$0.00$0.00$0.00
Total monthly$592.84$2,504.69$2,653.89
Cash to close$329,519$33,490$33,490