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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$127,756$127,756$296,910
Remaining term (yrs)11.911.930.0
Secondary amount$0$169,154$0
Funding fee$0$0$0
Note rate6.47%6.47%7.18%
Blended rate7.32%7.707%7.42%
1st payment$1,278.01$1,278.01$2,011.37
2nd payment$0.00$1,127.69$0.00
Taxes / mo$399.08$399.08$399.08
Insurance / mo$150.00$150.00$150.00
MI / mo$143.67$143.67$59.38
HOA / mo$0.00$0.00$0.00
Total monthly$1,970.76$3,098.45$2,619.84
Cash to close$202,144$32,990$32,990