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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$62,869$62,869$134,910
Remaining term (yrs)19.119.130.0
Secondary amount$0$72,041$0
Funding fee$0$0$0
Note rate3.87%3.87%7.18%
Blended rate4.72%7.005%7.42%
1st payment$386.43$386.43$913.93
2nd payment$0.00$540.31$0.00
Taxes / mo$125.42$125.42$125.42
Insurance / mo$150.00$150.00$150.00
MI / mo$58.24$58.24$26.98
HOA / mo$402.00$402.00$402.00
Total monthly$1,122.09$1,662.40$1,618.33
Cash to close$87,031$14,990$14,990