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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$167,646$167,646$377,910
Remaining term (yrs)20.420.430.0
Secondary amount$0$210,264$0
Funding fee$0$0$0
Note rate4.17%4.17%7.11%
Blended rate5.02%6.539%7.35%
1st payment$1,014.89$1,014.89$2,542.22
2nd payment$0.00$1,357.95$0.00
Taxes / mo$311.00$311.00$311.00
Insurance / mo$150.00$150.00$150.00
MI / mo$147.53$147.53$75.58
HOA / mo$0.00$0.00$0.00
Total monthly$1,623.42$2,981.38$3,078.81
Cash to close$252,254$41,990$41,990