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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$268,064$268,064$359,991
Remaining term (yrs)25.125.130.0
Secondary amount$0$91,927$0
Funding fee$0$0$0
Note rate3.05%3.05%7.18%
Blended rate3.9%5.202%7.42%
1st payment$1,272.53$1,272.53$2,438.70
2nd payment$0.00$689.45$0.00
Taxes / mo$109.75$109.75$109.75
Insurance / mo$150.00$150.00$150.00
MI / mo$212.43$212.43$72.00
HOA / mo$0.00$0.00$0.00
Total monthly$1,744.71$2,434.16$2,770.45
Cash to close$131,926$39,999$39,999