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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$119,367$119,367$899,999
Remaining term (yrs)14.514.530.0
Secondary amount$0$780,632$0
Funding fee$0$0$0
Note rate4.5%4.5%7.18%
Blended rate5.35%7.432%7.42%
1st payment$927.70$927.70$6,096.91
2nd payment$0.00$5,041.58$0.00
Taxes / mo$750.00$750.00$750.00
Insurance / mo$216.67$216.67$216.67
MI / mo$129.69$129.69$180.00
HOA / mo$0.00$0.00$0.00
Total monthly$2,024.06$7,065.64$7,243.57
Cash to close$880,632$100,000$100,000