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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$180,803$180,803$207,000
Remaining term (yrs)25.225.230.0
Secondary amount$0$26,197$0
Funding fee$0$0$0
Note rate3.12%3.12%7.18%
Blended rate3.97%4.607%7.42%
1st payment$861.17$861.17$1,402.29
2nd payment$0.00$196.48$0.00
Taxes / mo$220.83$220.83$220.83
Insurance / mo$150.00$150.00$150.00
MI / mo$142.49$142.49$41.40
HOA / mo$0.00$0.00$0.00
Total monthly$1,374.49$1,570.97$1,814.52
Cash to close$49,197$23,000$23,000