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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$139,672$139,672$278,910
Remaining term (yrs)19.319.330.0
Secondary amount$0$139,238$0
Funding fee$0$0$0
Note rate3.87%3.87%7.11%
Blended rate4.72%6.357%7.35%
1st payment$853.54$853.54$1,876.25
2nd payment$0.00$928.25$0.00
Taxes / mo$281.50$281.50$281.50
Insurance / mo$150.00$150.00$150.00
MI / mo$128.65$128.65$55.78
HOA / mo$220.00$220.00$220.00
Total monthly$1,633.69$2,561.94$2,583.53
Cash to close$170,228$30,990$30,990