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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$189,178$189,178$319,500
Remaining term (yrs)25.125.130.0
Secondary amount$0$130,322$0
Funding fee$0$0$0
Note rate2.9%2.9%7.18%
Blended rate3.75%5.484%7.42%
1st payment$883.29$883.29$2,164.40
2nd payment$0.00$868.81$0.00
Taxes / mo$456.00$456.00$456.00
Insurance / mo$150.00$150.00$150.00
MI / mo$150.32$150.32$63.90
HOA / mo$0.00$0.00$0.00
Total monthly$1,639.61$2,508.42$2,834.30
Cash to close$165,822$35,500$35,500