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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$201,221$201,221$242,910
Remaining term (yrs)26.426.430.0
Secondary amount$0$41,689$0
Funding fee$0$0$0
Note rate6.26%6.26%7.18%
Blended rate6.81%7.186%7.42%
1st payment$1,297.81$1,297.81$1,645.56
2nd payment$0.00$312.67$0.00
Taxes / mo$261.08$261.08$261.08
Insurance / mo$150.00$150.00$150.00
MI / mo$96.51$96.51$48.58
HOA / mo$399.00$399.00$399.00
Total monthly$2,204.39$2,517.06$2,504.22
Cash to close$68,679$26,990$26,990