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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$98,796$98,796$225,000
Remaining term (yrs)11.611.630.0
Secondary amount$0$126,204$0
Funding fee$0$0$0
Note rate5.970%5.970%7.400%
Blended rate6.820%7.482%7.640%
1st payment$976.61$976.61$1,557.85
2nd payment$0.00$841.36$0.00
Taxes / mo$219.17$219.17$219.17
Insurance / mo$150.00$150.00$150.00
MI / mo$115.75$115.75$45.00
HOA / mo$313.00$313.00$313.00
Total monthly$1,774.52$2,615.89$2,285.02
Cash to close$151,204$25,000$25,000