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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$171,198$171,198$204,750
Remaining term (yrs)25.125.130.0
Secondary amount$0$33,552$0
Funding fee$0$0$0
Note rate3.07%3.07%7.18%
Blended rate3.92%4.752%7.42%
1st payment$814.48$814.48$1,387.05
2nd payment$0.00$251.64$0.00
Taxes / mo$181.33$181.33$181.33
Insurance / mo$150.00$150.00$150.00
MI / mo$135.62$135.62$40.95
HOA / mo$0.00$0.00$0.00
Total monthly$1,281.44$1,533.08$1,759.33
Cash to close$56,302$22,750$22,750