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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$163,456$163,456$301,500
Remaining term (yrs)20.020.030.0
Secondary amount$0$138,044$0
Funding fee$0$0$0
Note rate3.42%3.42%7.18%
Blended rate4.27%5.978%7.42%
1st payment$938.55$938.55$2,042.47
2nd payment$0.00$920.29$0.00
Taxes / mo$307.67$307.67$307.67
Insurance / mo$150.00$150.00$150.00
MI / mo$149.53$149.53$60.30
HOA / mo$369.00$369.00$369.00
Total monthly$1,914.75$2,835.04$2,929.43
Cash to close$171,544$33,500$33,500