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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$180,808$180,808$296,910
Remaining term (yrs)20.520.530.0
Secondary amount$0$116,102$0
Funding fee$0$0$0
Note rate4.2%4.2%7.18%
Blended rate5.05%6.204%7.42%
1st payment$1,094.66$1,094.66$2,011.37
2nd payment$0.00$774.01$0.00
Taxes / mo$561.00$561.00$561.00
Insurance / mo$150.00$150.00$150.00
MI / mo$158.56$158.56$59.38
HOA / mo$0.00$0.00$0.00
Total monthly$1,964.23$2,738.24$2,781.75
Cash to close$149,092$32,990$32,990