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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$145,581$145,581$260,910
Remaining term (yrs)19.319.330.0
Secondary amount$0$115,329$0
Funding fee$0$0$0
Note rate3.87%3.87%7.18%
Blended rate4.72%6.17%7.42%
1st payment$889.65$889.65$1,767.50
2nd payment$0.00$768.86$0.00
Taxes / mo$309.75$309.75$309.75
Insurance / mo$150.00$150.00$150.00
MI / mo$134.09$134.09$52.18
HOA / mo$0.00$0.00$0.00
Total monthly$1,483.49$2,252.35$2,279.43
Cash to close$144,319$28,990$28,990