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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$64,917$64,917$463,410
Remaining term (yrs)18.518.530.0
Secondary amount$0$398,493$0
Funding fee$0$0$0
Note rate3.63%3.63%7.18%
Blended rate4.48%7.292%7.42%
1st payment$400.67$400.67$3,139.30
2nd payment$0.00$2,573.60$0.00
Taxes / mo$413.75$413.75$413.75
Insurance / mo$166.67$166.67$166.67
MI / mo$62.19$62.19$92.68
HOA / mo$0.00$0.00$0.00
Total monthly$1,043.28$3,616.89$3,812.40
Cash to close$449,983$51,490$51,490