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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$170,683$170,683$315,000
Remaining term (yrs)19.719.730.0
Secondary amount$0$144,317$0
Funding fee$0$0$0
Note rate3.6%3.6%7.18%
Blended rate4.45%6.076%7.42%
1st payment$1,004.42$1,004.42$2,133.92
2nd payment$0.00$962.11$0.00
Taxes / mo$376.83$376.83$376.83
Insurance / mo$150.00$150.00$150.00
MI / mo$156.49$156.49$63.00
HOA / mo$0.00$0.00$0.00
Total monthly$1,687.74$2,649.86$2,723.75
Cash to close$179,317$35,000$35,000