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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$144,053$144,053$306,000
Remaining term (yrs)19.719.730.0
Secondary amount$0$161,947$0
Funding fee$0$0$0
Note rate3.6%3.6%7.11%
Blended rate4.45%6.329%7.35%
1st payment$847.71$847.71$2,058.48
2nd payment$0.00$1,079.64$0.00
Taxes / mo$249.33$249.33$249.33
Insurance / mo$150.00$150.00$150.00
MI / mo$132.07$132.07$61.20
HOA / mo$0.00$0.00$0.00
Total monthly$1,379.12$2,458.76$2,519.01
Cash to close$195,947$34,000$34,000