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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$109,444$109,444$224,910
Remaining term (yrs)15.615.630.0
Secondary amount$0$115,466$0
Funding fee$0$0$0
Note rate3.8%3.8%7.18%
Blended rate4.65%6.37%7.42%
1st payment$770.43$770.43$1,523.62
2nd payment$0.00$769.77$0.00
Taxes / mo$259.33$259.33$259.33
Insurance / mo$150.00$150.00$150.00
MI / mo$117.12$117.12$44.98
HOA / mo$350.00$350.00$350.00
Total monthly$1,646.88$2,416.65$2,327.93
Cash to close$140,456$24,990$24,990