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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$258,630$258,630$330,300
Remaining term (yrs)24.324.330.0
Secondary amount$0$71,670$0
Funding fee$0$0$0
Note rate2.73%2.73%7.11%
Blended rate3.58%4.756%7.35%
1st payment$1,210.30$1,210.30$2,221.95
2nd payment$0.00$537.53$0.00
Taxes / mo$354.83$354.83$354.83
Insurance / mo$150.00$150.00$150.00
MI / mo$210.54$210.54$66.06
HOA / mo$0.00$0.00$0.00
Total monthly$1,925.67$2,463.20$2,792.84
Cash to close$108,370$36,700$36,700