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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$32,717$32,717$153,000
Remaining term (yrs)12.812.830.0
Secondary amount$0$120,283$0
Funding fee$0$0$0
Note rate5.12%5.12%7.18%
Blended rate5.97%7.566%7.42%
1st payment$288.95$288.95$1,036.48
2nd payment$0.00$801.88$0.00
Taxes / mo$154.83$154.83$154.83
Insurance / mo$150.00$150.00$150.00
MI / mo$37.61$37.61$30.60
HOA / mo$0.00$0.00$0.00
Total monthly$631.39$1,433.28$1,371.91
Cash to close$137,283$17,000$17,000