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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$170,106$170,106$269,100
Remaining term (yrs)24.024.030.0
Secondary amount$0$98,994$0
Funding fee$0$0$0
Note rate2.880%2.880%7.400%
Blended rate3.730%5.669%7.640%
1st payment$814.87$814.87$1,863.19
2nd payment$0.00$742.45$0.00
Taxes / mo$203.50$203.50$203.50
Insurance / mo$150.00$150.00$150.00
MI / mo$139.03$139.03$53.82
HOA / mo$0.00$0.00$0.00
Total monthly$1,307.40$2,049.85$2,270.51
Cash to close$128,894$29,900$29,900