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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$142,730$142,730$436,500
Remaining term (yrs)15.515.530.0
Secondary amount$0$293,770$0
Funding fee$0$0$0
Note rate3.75%3.75%7.18%
Blended rate4.6%6.72%7.42%
1st payment$1,009.04$1,009.04$2,957.00
2nd payment$0.00$1,897.26$0.00
Taxes / mo$497.17$497.17$497.17
Insurance / mo$166.67$166.67$166.67
MI / mo$154.33$154.33$87.30
HOA / mo$0.00$0.00$0.00
Total monthly$1,827.20$3,724.46$3,708.14
Cash to close$342,270$48,500$48,500