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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$79,867$79,867$324,000
Remaining term (yrs)14.114.130.0
Secondary amount$0$244,133$0
Funding fee$0$0$0
Note rate4.12%4.12%7.18%
Blended rate4.97%7.065%7.42%
1st payment$618.28$618.28$2,194.89
2nd payment$0.00$1,576.69$0.00
Taxes / mo$360.25$360.25$360.25
Insurance / mo$150.00$150.00$150.00
MI / mo$90.42$90.42$64.80
HOA / mo$0.00$0.00$0.00
Total monthly$1,218.95$2,795.64$2,769.94
Cash to close$280,133$36,000$36,000