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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$127,300$127,300$233,910
Remaining term (yrs)21.521.530.0
Secondary amount$0$106,610$0
Funding fee$0$0$0
Note rate4.4%4.4%7.18%
Blended rate5.25%6.503%7.42%
1st payment$762.12$762.12$1,584.59
2nd payment$0.00$710.74$0.00
Taxes / mo$192.58$192.58$192.58
Insurance / mo$150.00$150.00$150.00
MI / mo$107.80$107.80$46.78
HOA / mo$262.00$262.00$262.00
Total monthly$1,474.50$2,185.24$2,235.95
Cash to close$132,600$25,990$25,990