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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$164,034$164,034$441,000
Remaining term (yrs)15.215.230.0
Secondary amount$0$276,966$0
Funding fee$0$0$0
Note rate3.75%3.75%7.11%
Blended rate4.6%6.578%7.35%
1st payment$1,173.58$1,173.58$2,966.64
2nd payment$0.00$1,788.74$0.00
Taxes / mo$380.83$380.83$380.83
Insurance / mo$166.67$166.67$166.67
MI / mo$179.50$179.50$88.20
HOA / mo$31.25$31.25$31.25
Total monthly$1,931.82$3,720.56$3,633.59
Cash to close$325,966$49,000$49,000