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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$111,133$111,133$197,910
Remaining term (yrs)20.020.030.0
Secondary amount$0$86,777$0
Funding fee$0$0$0
Note rate3.47%3.47%7.11%
Blended rate4.32%6.372%7.35%
1st payment$639.13$639.13$1,331.35
2nd payment$0.00$650.83$0.00
Taxes / mo$201.14$201.14$201.14
Insurance / mo$150.00$150.00$150.00
MI / mo$101.20$101.20$39.58
HOA / mo$320.00$320.00$320.00
Total monthly$1,411.46$2,062.29$2,042.07
Cash to close$108,767$21,990$21,990