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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$173,871$173,871$350,910
Remaining term (yrs)15.615.630.0
Secondary amount$0$177,039$0
Funding fee$0$0$0
Note rate3.95%3.95%7.18%
Blended rate4.8%6.414%7.42%
1st payment$1,241.81$1,241.81$2,377.19
2nd payment$0.00$1,180.26$0.00
Taxes / mo$394.17$394.17$394.17
Insurance / mo$150.00$150.00$150.00
MI / mo$185.36$185.36$70.18
HOA / mo$197.00$197.00$197.00
Total monthly$2,168.34$3,348.60$3,188.54
Cash to close$216,029$38,990$38,990