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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$217,868$217,868$247,491
Remaining term (yrs)26.326.330.0
Secondary amount$0$29,623$0
Funding fee$0$0$0
Note rate6.48%6.48%7.18%
Blended rate7.03%7.266%7.42%
1st payment$1,437.15$1,437.15$1,676.59
2nd payment$0.00$222.18$0.00
Taxes / mo$270.50$270.50$270.50
Insurance / mo$150.00$150.00$150.00
MI / mo$104.43$104.43$49.50
HOA / mo$0.00$0.00$0.00
Total monthly$1,962.08$2,184.25$2,146.59
Cash to close$57,122$27,499$27,499