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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$190,091$190,091$301,499
Remaining term (yrs)21.421.430.0
Secondary amount$0$111,408$0
Funding fee$0$0$0
Note rate6.150%6.150%7.400%
Blended rate6.700%7.180%7.640%
1st payment$1,329.88$1,329.88$2,087.52
2nd payment$0.00$742.72$0.00
Taxes / mo$107.17$107.17$107.17
Insurance / mo$150.00$150.00$150.00
MI / mo$93.27$93.27$60.30
HOA / mo$0.00$0.00$0.00
Total monthly$1,680.31$2,423.03$2,404.99
Cash to close$144,908$33,500$33,500