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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$112,676$112,676$202,410
Remaining term (yrs)19.619.630.0
Secondary amount$0$89,734$0
Funding fee$0$0$0
Note rate3.6%3.6%7.18%
Blended rate4.45%6.467%7.42%
1st payment$664.99$664.99$1,371.20
2nd payment$0.00$673.00$0.00
Taxes / mo$204.17$204.17$204.17
Insurance / mo$150.00$150.00$150.00
MI / mo$103.60$103.60$40.48
HOA / mo$390.00$390.00$390.00
Total monthly$1,512.76$2,185.76$2,155.84
Cash to close$112,224$22,490$22,490