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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$171,379$171,379$188,910
Remaining term (yrs)24.824.830.0
Secondary amount$0$28,026$0
Funding fee$0$0$0
Note rate2.88%2.88%7.18%
Blended rate3.73%4.875%7.42%
1st payment$803.87$803.87$1,279.74
2nd payment$0.00$277.34$0.00
Taxes / mo$2,041.50$2,041.50$2,041.50
Insurance / mo$150.00$150.00$150.00
MI / mo$137.15$137.15$37.78
HOA / mo$390.00$390.00$390.00
Total monthly$3,522.53$3,799.87$3,899.02
Cash to close$38,521$10,495$20,990