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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$356,847$356,847$405,000
Remaining term (yrs)33.533.530.0
Secondary amount$0$48,153$0
Funding fee$0$0$0
Note rate3.65%3.65%7.18%
Blended rate4.5%5.035%7.42%
1st payment$1,537.57$1,537.57$2,743.61
2nd payment$0.00$361.14$0.00
Taxes / mo$562.33$562.33$562.33
Insurance / mo$150.00$150.00$150.00
MI / mo$274.72$274.72$81.00
HOA / mo$0.00$0.00$0.00
Total monthly$2,524.62$2,885.77$3,536.94
Cash to close$93,153$45,000$45,000