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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$152,626$152,626$377,910
Remaining term (yrs)19.719.730.0
Secondary amount$0$225,284$0
Funding fee$0$0$0
Note rate3.41%3.41%7.18%
Blended rate4.26%6.34%7.42%
1st payment$883.28$883.28$2,560.09
2nd payment$0.00$1,454.96$0.00
Taxes / mo$412.50$412.50$412.50
Insurance / mo$150.00$150.00$150.00
MI / mo$140.90$140.90$75.58
HOA / mo$0.00$0.00$0.00
Total monthly$1,586.68$3,041.64$3,198.18
Cash to close$267,274$41,990$41,990