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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$186,371$186,371$346,410
Remaining term (yrs)24.224.230.0
Secondary amount$0$160,039$0
Funding fee$0$0$0
Note rate2.88%2.88%7.18%
Blended rate3.73%5.703%7.42%
1st payment$888.55$888.55$2,346.70
2nd payment$0.00$1,066.93$0.00
Taxes / mo$463.67$463.67$463.67
Insurance / mo$150.00$150.00$150.00
MI / mo$151.60$151.60$69.28
HOA / mo$0.00$0.00$0.00
Total monthly$1,653.81$2,720.74$3,029.65
Cash to close$198,529$38,490$38,490