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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$122,526$122,526$234,000
Remaining term (yrs)23.023.030.0
Secondary amount$0$111,474$0
Funding fee$0$0$0
Note rate3.61%3.61%7.18%
Blended rate4.46%6.146%7.42%
1st payment$652.56$652.56$1,585.20
2nd payment$0.00$743.16$0.00
Taxes / mo$262.83$262.83$262.83
Insurance / mo$150.00$150.00$150.00
MI / mo$101.54$101.54$46.80
HOA / mo$0.00$0.00$0.00
Total monthly$1,166.94$1,910.10$2,044.83
Cash to close$137,474$26,000$26,000