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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$124,944$124,944$243,000
Remaining term (yrs)19.119.130.0
Secondary amount$0$118,056$0
Funding fee$0$0$0
Note rate3.94%3.94%7.18%
Blended rate4.79%6.35%7.42%
1st payment$772.53$772.53$1,646.17
2nd payment$0.00$787.04$0.00
Taxes / mo$234.00$234.00$234.00
Insurance / mo$150.00$150.00$150.00
MI / mo$115.45$115.45$48.60
HOA / mo$415.00$415.00$415.00
Total monthly$1,686.98$2,474.02$2,493.77
Cash to close$145,056$27,000$27,000