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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$210,772$210,772$229,410
Remaining term (yrs)23.123.130.0
Secondary amount$0$31,383$0
Funding fee$0$0$0
Note rate3.61%3.61%7.18%
Blended rate4.46%5.421%7.42%
1st payment$1,117.40$1,117.40$1,554.10
2nd payment$0.00$310.56$0.00
Taxes / mo$367.33$367.33$367.33
Insurance / mo$150.00$150.00$150.00
MI / mo$173.88$173.88$45.88
HOA / mo$0.00$0.00$0.00
Total monthly$1,808.61$2,119.17$2,117.32
Cash to close$44,128$12,745$25,490