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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$226,943$226,943$252,000
Remaining term (yrs)25.025.030.0
Secondary amount$0$25,057$0
Funding fee$0$0$0
Note rate2.87%2.87%7.18%
Blended rate3.72%4.245%7.42%
1st payment$1,058.50$1,058.50$1,707.14
2nd payment$0.00$187.93$0.00
Taxes / mo$338.58$338.58$338.58
Insurance / mo$150.00$150.00$150.00
MI / mo$180.83$180.83$50.40
HOA / mo$0.00$0.00$0.00
Total monthly$1,727.91$1,915.84$2,246.12
Cash to close$53,057$28,000$28,000