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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$24,585$24,585$238,103
Remaining term (yrs)18.718.730.0
Secondary amount$0$213,518$0
Funding fee$0$0$0
Note rate3.84%3.84%7.11%
Blended rate4.69%7.434%7.35%
1st payment$152.99$152.99$1,601.73
2nd payment$0.00$1,378.97$0.00
Taxes / mo$230.67$230.67$230.67
Insurance / mo$150.00$150.00$150.00
MI / mo$23.14$23.14$47.62
HOA / mo$324.00$324.00$324.00
Total monthly$880.80$2,259.77$2,354.02
Cash to close$239,974$26,456$26,456