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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$178,736$178,736$193,410
Remaining term (yrs)26.526.530.0
Secondary amount$0$25,419$0
Funding fee$0$0$0
Note rate6.27%6.27%7.18%
Blended rate6.82%7.449%7.42%
1st payment$1,151.10$1,151.10$1,310.23
2nd payment$0.00$251.54$0.00
Taxes / mo$325.83$325.83$325.83
Insurance / mo$150.00$150.00$150.00
MI / mo$85.51$85.51$38.68
HOA / mo$0.00$0.00$0.00
Total monthly$1,712.44$1,963.98$1,824.74
Cash to close$36,164$10,745$21,490