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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$153,855$153,855$359,100
Remaining term (yrs)16.116.130.0
Secondary amount$0$205,245$0
Funding fee$0$0$0
Note rate3.25%3.25%7.18%
Blended rate4.1%6.186%7.42%
1st payment$1,016.64$1,016.64$2,432.67
2nd payment$0.00$1,325.54$0.00
Taxes / mo$685.58$685.58$685.58
Insurance / mo$150.00$150.00$150.00
MI / mo$165.47$165.47$71.82
HOA / mo$0.00$0.00$0.00
Total monthly$2,017.69$3,343.23$3,340.07
Cash to close$245,145$39,900$39,900