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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$67,417$67,417$161,910
Remaining term (yrs)19.819.830.0
Secondary amount$0$94,493$0
Funding fee$0$0$0
Note rate3.480%3.480%7.400%
Blended rate4.330%7.055%7.640%
1st payment$391.43$391.43$1,121.03
2nd payment$0.00$708.70$0.00
Taxes / mo$151.67$151.67$151.67
Insurance / mo$150.00$150.00$150.00
MI / mo$61.90$61.90$32.38
HOA / mo$435.00$435.00$435.00
Total monthly$1,190.00$1,898.69$1,890.08
Cash to close$112,483$17,990$17,990