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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$3,057$3,057$98,910
Remaining term (yrs)28.228.230.0
Secondary amount$0$95,853$0
Funding fee$0$0$0
Note rate6.5%6.5%7.18%
Blended rate7.05%8.94%7.42%
1st payment$19.70$19.70$670.05
2nd payment$0.00$718.90$0.00
Taxes / mo$259.92$259.92$259.92
Insurance / mo$150.00$150.00$150.00
MI / mo$1.43$1.43$19.78
HOA / mo$0.00$0.00$0.00
Total monthly$431.04$1,149.94$1,099.75
Cash to close$106,843$10,990$10,990