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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$161,523$161,523$229,410
Remaining term (yrs)25.425.430.0
Secondary amount$0$67,887$0
Funding fee$0$0$0
Note rate3.38%3.38%7.11%
Blended rate4.23%5.642%7.35%
1st payment$788.31$788.31$1,543.26
2nd payment$0.00$509.15$0.00
Taxes / mo$225.17$225.17$225.17
Insurance / mo$150.00$150.00$150.00
MI / mo$126.23$126.23$45.88
HOA / mo$310.00$310.00$310.00
Total monthly$1,599.70$2,108.85$2,274.30
Cash to close$93,377$25,490$25,490