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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$77,100$77,100$207,990
Remaining term (yrs)14.214.230.0
Secondary amount$0$130,890$0
Funding fee$0$0$0
Note rate4.25%4.25%7.18%
Blended rate5.1%6.925%7.42%
1st payment$599.34$599.34$1,409.00
2nd payment$0.00$872.60$0.00
Taxes / mo$437.73$437.73$437.73
Insurance / mo$150.00$150.00$150.00
MI / mo$86.30$86.30$41.60
HOA / mo$0.00$0.00$0.00
Total monthly$1,273.37$2,145.97$2,038.33
Cash to close$154,000$23,110$23,110