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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$9,687$9,687$189,900
Remaining term (yrs)23.923.930.0
Secondary amount$0$180,213$0
Funding fee$0$0$0
Note rate6.34%6.34%7.18%
Blended rate6.89%7.943%7.42%
1st payment$65.55$65.55$1,286.45
2nd payment$0.00$1,201.42$0.00
Taxes / mo$263.33$263.33$263.33
Insurance / mo$150.00$150.00$150.00
MI / mo$4.52$4.52$37.98
HOA / mo$292.00$292.00$292.00
Total monthly$775.40$1,976.82$2,029.76
Cash to close$201,313$21,100$21,100