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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$79,597$79,597$287,910
Remaining term (yrs)12.612.630.0
Secondary amount$0$208,313$0
Funding fee$0$0$0
Note rate5%5%7.18%
Blended rate5.85%7.225%7.42%
1st payment$704.62$704.62$1,950.40
2nd payment$0.00$1,345.36$0.00
Taxes / mo$281.58$281.58$281.58
Insurance / mo$150.00$150.00$150.00
MI / mo$92.97$92.97$57.58
HOA / mo$305.00$305.00$305.00
Total monthly$1,534.17$2,879.53$2,744.57
Cash to close$240,303$31,990$31,990