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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$110,365$110,365$269,100
Remaining term (yrs)17.917.930.0
Secondary amount$0$158,735$0
Funding fee$0$0$0
Note rate4.34%4.34%7.18%
Blended rate5.19%6.848%7.42%
1st payment$737.13$737.13$1,822.98
2nd payment$0.00$1,058.23$0.00
Taxes / mo$116.67$116.67$116.67
Insurance / mo$150.00$150.00$150.00
MI / mo$105.01$105.01$53.82
HOA / mo$0.00$0.00$0.00
Total monthly$1,108.80$2,167.04$2,143.46
Cash to close$188,635$29,900$29,900