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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$153,009$153,009$215,910
Remaining term (yrs)21.521.530.0
Secondary amount$0$62,901$0
Funding fee$0$0$0
Note rate4.58%4.58%7.18%
Blended rate5.43%6.47%7.42%
1st payment$929.04$929.04$1,462.65
2nd payment$0.00$471.75$0.00
Taxes / mo$412.31$412.31$412.31
Insurance / mo$150.00$150.00$150.00
MI / mo$128.67$128.67$43.18
HOA / mo$0.00$0.00$0.00
Total monthly$1,620.02$2,091.78$2,068.14
Cash to close$86,891$23,990$23,990