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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$147,549$147,549$166,500
Remaining term (yrs)25.425.430.0
Secondary amount$0$28,201$0
Funding fee$0$0$0
Note rate3.69%3.69%7.18%
Blended rate4.54%5.717%7.42%
1st payment$744.79$744.79$1,127.93
2nd payment$0.00$279.07$0.00
Taxes / mo$233.33$233.33$233.33
Insurance / mo$150.00$150.00$150.00
MI / mo$114.76$114.76$33.30
HOA / mo$0.00$0.00$0.00
Total monthly$1,242.88$1,521.96$1,544.56
Cash to close$37,451$9,250$18,500