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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$113,503$113,503$287,100
Remaining term (yrs)19.519.530.0
Secondary amount$0$173,597$0
Funding fee$0$0$0
Note rate3.69%3.69%7.11%
Blended rate4.54%6.632%7.35%
1st payment$677.09$677.09$1,931.34
2nd payment$0.00$1,157.32$0.00
Taxes / mo$234.17$234.17$234.17
Insurance / mo$150.00$150.00$150.00
MI / mo$104.33$104.33$57.42
HOA / mo$0.00$0.00$0.00
Total monthly$1,165.58$2,322.89$2,372.93
Cash to close$205,497$31,900$31,900