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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$462,895$462,895$742,500
Remaining term (yrs)28.928.930.0
Secondary amount$0$279,605$0
Funding fee$0$0$0
Note rate6.34%6.34%7.18%
Blended rate6.89%7.214%7.42%
1st payment$2,910.81$2,910.81$5,029.95
2nd payment$0.00$1,805.78$0.00
Taxes / mo$461.00$461.00$461.00
Insurance / mo$216.67$216.67$216.67
MI / mo$214.63$214.63$148.50
HOA / mo$0.00$0.00$0.00
Total monthly$3,803.11$5,608.89$5,856.12
Cash to close$362,105$82,500$82,500