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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$102,811$102,811$269,820
Remaining term (yrs)16.616.630.0
Secondary amount$0$167,009$0
Funding fee$0$0$0
Note rate3.51%3.51%7.18%
Blended rate4.36%6.613%7.42%
1st payment$677.24$677.24$1,827.85
2nd payment$0.00$1,113.39$0.00
Taxes / mo$371.17$371.17$371.17
Insurance / mo$150.00$150.00$150.00
MI / mo$106.70$106.70$53.96
HOA / mo$0.00$0.00$0.00
Total monthly$1,305.10$2,418.49$2,402.99
Cash to close$196,989$29,980$29,980