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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$172,710$172,710$359,910
Remaining term (yrs)19.619.630.0
Secondary amount$0$187,200$0
Funding fee$0$0$0
Note rate3.64%3.64%7.18%
Blended rate4.49%6.316%7.42%
1st payment$1,022.85$1,022.85$2,438.16
2nd payment$0.00$1,248.00$0.00
Taxes / mo$330.42$330.42$330.42
Insurance / mo$150.00$150.00$150.00
MI / mo$158.57$158.57$71.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,661.84$2,909.85$2,990.55
Cash to close$227,190$39,990$39,990