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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$133,808$133,808$269,910
Remaining term (yrs)21.021.030.0
Secondary amount$0$136,102$0
Funding fee$0$0$0
Note rate3.83%3.83%7.11%
Blended rate4.68%6.354%7.35%
1st payment$771.65$771.65$1,815.70
2nd payment$0.00$907.35$0.00
Taxes / mo$299.18$299.18$299.18
Insurance / mo$150.00$150.00$150.00
MI / mo$116.88$116.88$53.98
HOA / mo$589.00$589.00$589.00
Total monthly$1,926.70$2,834.05$2,907.86
Cash to close$166,092$29,990$29,990