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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$168,213$168,213$225,000
Remaining term (yrs)23.623.630.0
Secondary amount$0$56,787$0
Funding fee$0$0$0
Note rate3.33%3.33%7.18%
Blended rate4.18%5.396%7.42%
1st payment$856.82$856.82$1,524.23
2nd payment$0.00$425.90$0.00
Taxes / mo$214.92$214.92$214.92
Insurance / mo$150.00$150.00$150.00
MI / mo$138.06$138.06$45.00
HOA / mo$0.00$0.00$0.00
Total monthly$1,359.79$1,785.70$1,934.15
Cash to close$81,787$25,000$25,000