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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$101,959$101,959$267,300
Remaining term (yrs)16.316.330.0
Secondary amount$0$165,341$0
Funding fee$0$0$0
Note rate4.4%4.4%7.18%
Blended rate5.25%6.951%7.42%
1st payment$727.70$727.70$1,810.78
2nd payment$0.00$1,102.27$0.00
Taxes / mo$204.08$204.08$204.08
Insurance / mo$150.00$150.00$150.00
MI / mo$102.93$102.93$53.46
HOA / mo$488.00$488.00$488.00
Total monthly$1,672.72$2,774.99$2,706.33
Cash to close$195,041$29,700$29,700