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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$149,885$149,885$314,910
Remaining term (yrs)20.120.130.0
Secondary amount$0$165,025$0
Funding fee$0$0$0
Note rate3.57%3.57%7.11%
Blended rate4.42%6.296%7.35%
1st payment$867.28$867.28$2,118.42
2nd payment$0.00$1,100.17$0.00
Taxes / mo$317.17$317.17$317.17
Insurance / mo$150.00$150.00$150.00
MI / mo$135.62$135.62$62.98
HOA / mo$206.00$206.00$206.00
Total monthly$1,676.07$2,776.23$2,854.57
Cash to close$200,015$34,990$34,990