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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$18,472$18,472$153,000
Remaining term (yrs)25.825.830.0
Secondary amount$0$134,528$0
Funding fee$0$0$0
Note rate6.81%6.81%7.18%
Blended rate7.36%7.923%7.42%
1st payment$126.61$126.61$1,036.48
2nd payment$0.00$896.86$0.00
Taxes / mo$521.17$521.17$521.17
Insurance / mo$150.00$150.00$150.00
MI / mo$8.59$8.59$30.60
HOA / mo$0.00$0.00$0.00
Total monthly$806.37$1,703.22$1,738.24
Cash to close$151,528$17,000$17,000