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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$377,613$377,613$521,910
Remaining term (yrs)25.425.430.0
Secondary amount$0$144,297$0
Funding fee$0$0$0
Note rate3.92%3.92%7.18%
Blended rate4.77%5.663%7.42%
1st payment$1,953.73$1,953.73$3,535.60
2nd payment$0.00$961.98$0.00
Taxes / mo$192.50$192.50$192.50
Insurance / mo$166.67$166.67$166.67
MI / mo$292.69$292.69$104.38
HOA / mo$137.00$137.00$137.00
Total monthly$2,742.59$3,704.57$4,136.15
Cash to close$202,287$57,990$57,990