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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$104,677$104,677$359,910
Remaining term (yrs)13.613.630.0
Secondary amount$0$255,233$0
Funding fee$0$0$0
Note rate4%4%7.18%
Blended rate4.85%6.907%7.42%
1st payment$825.81$825.81$2,438.16
2nd payment$0.00$1,648.38$0.00
Taxes / mo$305.92$305.92$305.92
Insurance / mo$150.00$150.00$150.00
MI / mo$122.52$122.52$71.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,404.25$3,052.63$2,966.05
Cash to close$295,223$39,990$39,990