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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$210,097$210,097$397,800
Remaining term (yrs)19.519.530.0
Secondary amount$0$187,703$0
Funding fee$0$0$0
Note rate3.68%3.68%7.18%
Blended rate4.53%6.167%7.42%
1st payment$1,255.86$1,255.86$2,694.84
2nd payment$0.00$1,251.35$0.00
Taxes / mo$397.42$397.42$397.42
Insurance / mo$150.00$150.00$150.00
MI / mo$193.74$193.74$79.56
HOA / mo$0.00$0.00$0.00
Total monthly$1,997.01$3,248.36$3,321.81
Cash to close$231,903$44,200$44,200