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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$100,079$100,079$193,410
Remaining term (yrs)20.020.030.0
Secondary amount$0$93,331$0
Funding fee$0$0$0
Note rate3.46%3.46%7.11%
Blended rate4.31%6.573%7.35%
1st payment$576.70$576.70$1,301.08
2nd payment$0.00$699.98$0.00
Taxes / mo$302.50$302.50$302.50
Insurance / mo$150.00$150.00$150.00
MI / mo$91.42$91.42$38.68
HOA / mo$300.00$300.00$300.00
Total monthly$1,420.62$2,120.60$2,092.26
Cash to close$114,821$21,490$21,490