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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$127,069$127,069$238,500
Remaining term (yrs)18.518.530.0
Secondary amount$0$111,431$0
Funding fee$0$0$0
Note rate3.7%3.7%7.18%
Blended rate4.55%6.162%7.42%
1st payment$786.38$786.38$1,615.68
2nd payment$0.00$742.87$0.00
Taxes / mo$357.50$357.50$357.50
Insurance / mo$150.00$150.00$150.00
MI / mo$121.02$121.02$47.70
HOA / mo$0.00$0.00$0.00
Total monthly$1,414.90$2,157.77$2,170.88
Cash to close$137,931$26,500$26,500