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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$177,407$177,407$351,000
Remaining term (yrs)23.323.330.0
Secondary amount$0$173,593$0
Funding fee$0$0$0
Note rate3.64%3.64%7.11%
Blended rate4.49%6.226%7.35%
1st payment$939.08$939.08$2,361.20
2nd payment$0.00$1,157.28$0.00
Taxes / mo$361.33$361.33$361.33
Insurance / mo$150.00$150.00$150.00
MI / mo$145.59$145.59$70.20
HOA / mo$0.00$0.00$0.00
Total monthly$1,596.00$2,753.29$2,942.73
Cash to close$212,593$39,000$39,000