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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$307,968$307,968$431,910
Remaining term (yrs)26.826.830.0
Secondary amount$0$123,942$0
Funding fee$0$0$0
Note rate6.81%6.81%7.18%
Blended rate7.36%7.544%7.42%
1st payment$2,082.50$2,082.50$2,925.91
2nd payment$0.00$826.28$0.00
Taxes / mo$444.17$444.17$444.17
Insurance / mo$166.67$166.67$166.67
MI / mo$146.26$146.26$86.38
HOA / mo$9.17$9.17$9.17
Total monthly$2,848.77$3,675.04$3,632.29
Cash to close$171,932$47,990$47,990