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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$538,284$538,284$679,500
Remaining term (yrs)29.729.730.0
Secondary amount$0$141,216$0
Funding fee$0$0$0
Note rate6.43%6.43%7.18%
Blended rate6.98%7.192%7.42%
1st payment$3,383.80$3,383.80$4,603.17
2nd payment$0.00$941.44$0.00
Taxes / mo$316.42$316.42$316.42
Insurance / mo$216.67$216.67$216.67
MI / mo$247.17$247.17$135.90
HOA / mo$0.00$0.00$0.00
Total monthly$4,164.05$5,105.49$5,272.15
Cash to close$216,716$75,500$75,500