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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$121,657$121,657$143,910
Remaining term (yrs)21.421.430.0
Secondary amount$0$30,248$0
Funding fee$0$0$0
Note rate4.03%4.03%7.18%
Blended rate4.88%6.273%7.42%
1st payment$705.70$705.70$974.90
2nd payment$0.00$299.33$0.00
Taxes / mo$300.00$300.00$300.00
Insurance / mo$150.00$150.00$150.00
MI / mo$104.33$104.33$28.78
HOA / mo$0.00$0.00$0.00
Total monthly$1,260.03$1,559.36$1,453.68
Cash to close$38,243$7,995$15,990