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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$20,368$20,368$197,910
Remaining term (yrs)38.638.630.0
Secondary amount$0$177,542$0
Funding fee$0$0$0
Note rate6.81%6.81%7.18%
Blended rate7.36%7.934%7.42%
1st payment$124.61$124.61$1,340.71
2nd payment$0.00$1,183.61$0.00
Taxes / mo$379.41$379.41$379.41
Insurance / mo$150.00$150.00$150.00
MI / mo$9.40$9.40$39.58
HOA / mo$0.00$0.00$0.00
Total monthly$663.42$1,847.03$1,909.70
Cash to close$199,532$21,990$21,990