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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$143,362$143,362$305,730
Remaining term (yrs)16.016.030.0
Secondary amount$0$162,368$0
Funding fee$0$0$0
Note rate3.55%3.55%7.11%
Blended rate4.4%6.312%7.35%
1st payment$976.00$976.00$2,056.67
2nd payment$0.00$1,082.45$0.00
Taxes / mo$461.17$461.17$461.17
Insurance / mo$150.00$150.00$150.00
MI / mo$153.00$153.00$61.15
HOA / mo$0.00$0.00$0.00
Total monthly$1,740.17$2,822.63$2,728.98
Cash to close$196,338$33,970$33,970