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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$175,678$175,678$404,189
Remaining term (yrs)18.418.430.0
Secondary amount$0$228,511$0
Funding fee$0$0$0
Note rate3.71%3.71%7.18%
Blended rate4.56%6.363%7.42%
1st payment$1,094.91$1,094.91$2,738.12
2nd payment$0.00$1,475.80$0.00
Taxes / mo$443.67$443.67$443.67
Insurance / mo$150.00$150.00$150.00
MI / mo$168.29$168.29$80.84
HOA / mo$0.00$0.00$0.00
Total monthly$1,856.87$3,332.67$3,412.62
Cash to close$273,421$44,910$44,910