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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$434,942$434,942$485,910
Remaining term (yrs)26.026.030.0
Secondary amount$0$50,968$0
Funding fee$0$0$0
Note rate6.66%6.66%7.11%
Blended rate7.51%7.666%7.35%
1st payment$2,932.62$2,932.62$3,268.75
2nd payment$0.00$382.26$0.00
Taxes / mo$574.50$574.50$574.50
Insurance / mo$166.67$166.67$166.67
MI / mo$323.25$323.25$97.18
HOA / mo$125.00$125.00$125.00
Total monthly$4,122.03$4,504.29$4,232.10
Cash to close$104,958$53,990$53,990