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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$97,510$97,510$314,910
Remaining term (yrs)16.316.330.0
Secondary amount$0$217,400$0
Funding fee$0$0$0
Note rate3.37%3.37%7.18%
Blended rate4.22%6.657%7.42%
1st payment$645.13$645.13$2,133.31
2nd payment$0.00$1,404.04$0.00
Taxes / mo$158.17$158.17$158.17
Insurance / mo$150.00$150.00$150.00
MI / mo$103.43$103.43$62.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,056.73$2,460.77$2,504.46
Cash to close$252,390$34,990$34,990