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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$117,969$117,969$197,910
Remaining term (yrs)22.122.130.0
Secondary amount$0$79,941$0
Funding fee$0$0$0
Note rate4.81%4.81%7.11%
Blended rate5.66%7.009%7.35%
1st payment$720.46$720.46$1,331.35
2nd payment$0.00$599.56$0.00
Taxes / mo$181.33$181.33$181.33
Insurance / mo$150.00$150.00$150.00
MI / mo$97.15$97.15$39.58
HOA / mo$400.00$400.00$400.00
Total monthly$1,548.94$2,148.50$2,102.27
Cash to close$101,931$21,990$21,990