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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$196,543$196,543$260,910
Remaining term (yrs)22.322.330.0
Secondary amount$0$64,367$0
Funding fee$0$0$0
Note rate4.46%4.46%7.18%
Blended rate5.31%6.22%7.42%
1st payment$1,157.01$1,157.01$1,767.50
2nd payment$0.00$482.75$0.00
Taxes / mo$266.25$266.25$266.25
Insurance / mo$150.00$150.00$150.00
MI / mo$162.51$162.51$52.18
HOA / mo$0.00$0.00$0.00
Total monthly$1,735.76$2,218.52$2,235.93
Cash to close$93,357$28,990$28,990