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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$172,292$172,292$301,500
Remaining term (yrs)19.019.030.0
Secondary amount$0$129,208$0
Funding fee$0$0$0
Note rate3.89%3.89%7.18%
Blended rate4.74%6.137%7.42%
1st payment$1,063.89$1,063.89$2,042.47
2nd payment$0.00$861.39$0.00
Taxes / mo$344.67$344.67$344.67
Insurance / mo$150.00$150.00$150.00
MI / mo$159.97$159.97$60.30
HOA / mo$0.00$0.00$0.00
Total monthly$1,718.53$2,579.91$2,597.43
Cash to close$162,708$33,500$33,500