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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$291,231$291,231$337,500
Remaining term (yrs)25.125.130.0
Secondary amount$0$46,269$0
Funding fee$0$0$0
Note rate3.09%3.09%7.18%
Blended rate3.94%4.634%7.42%
1st payment$1,388.60$1,388.60$2,286.34
2nd payment$0.00$347.02$0.00
Taxes / mo$461.17$461.17$461.17
Insurance / mo$150.00$150.00$150.00
MI / mo$230.63$230.63$67.50
HOA / mo$0.00$0.00$0.00
Total monthly$2,230.40$2,577.41$2,965.01
Cash to close$83,769$37,500$37,500