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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$119,438$119,438$278,550
Remaining term (yrs)16.716.730.0
Secondary amount$0$159,112$0
Funding fee$0$0$0
Note rate4.46%4.46%7.18%
Blended rate5.31%6.847%7.42%
1st payment$841.80$841.80$1,886.99
2nd payment$0.00$1,060.75$0.00
Taxes / mo$379.50$379.50$379.50
Insurance / mo$150.00$150.00$150.00
MI / mo$118.24$118.24$55.71
HOA / mo$0.00$0.00$0.00
Total monthly$1,489.53$2,550.28$2,472.20
Cash to close$190,062$30,950$30,950