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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$169,462$169,462$238,500
Remaining term (yrs)21.521.530.0
Secondary amount$0$69,038$0
Funding fee$0$0$0
Note rate4.56%4.56%7.18%
Blended rate5.41%6.449%7.42%
1st payment$1,027.08$1,027.08$1,615.68
2nd payment$0.00$517.78$0.00
Taxes / mo$472.33$472.33$472.33
Insurance / mo$150.00$150.00$150.00
MI / mo$142.58$142.58$47.70
HOA / mo$0.00$0.00$0.00
Total monthly$1,791.99$2,309.77$2,285.72
Cash to close$95,538$26,500$26,500