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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$219,703$219,703$378,900
Remaining term (yrs)23.323.330.0
Secondary amount$0$159,197$0
Funding fee$0$0$0
Note rate3.68%3.68%7.18%
Blended rate4.53%5.988%7.42%
1st payment$1,167.66$1,167.66$2,566.80
2nd payment$0.00$1,061.31$0.00
Taxes / mo$206.58$206.58$206.58
Insurance / mo$150.00$150.00$150.00
MI / mo$180.13$180.13$75.78
HOA / mo$73.00$73.00$73.00
Total monthly$1,777.38$2,838.69$3,072.16
Cash to close$201,297$42,100$42,100