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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$369,421$369,421$431,910
Remaining term (yrs)29.329.330.0
Secondary amount$0$62,489$0
Funding fee$0$0$0
Note rate6.11%6.11%7.18%
Blended rate6.66%6.999%7.42%
1st payment$2,256.69$2,256.69$2,925.91
2nd payment$0.00$468.67$0.00
Taxes / mo$470.17$470.17$470.17
Insurance / mo$166.67$166.67$166.67
MI / mo$170.50$170.50$86.38
HOA / mo$0.00$0.00$0.00
Total monthly$3,064.02$3,532.69$3,649.12
Cash to close$110,479$47,990$47,990