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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$161,934$161,934$315,000
Remaining term (yrs)25.025.030.0
Secondary amount$0$153,066$0
Funding fee$0$0$0
Note rate2.880%2.880%7.400%
Blended rate3.730%5.805%7.640%
1st payment$756.12$756.12$2,181.00
2nd payment$0.00$1,020.44$0.00
Taxes / mo$107.92$107.92$107.92
Insurance / mo$150.00$150.00$150.00
MI / mo$129.01$129.01$63.00
HOA / mo$0.00$0.00$0.00
Total monthly$1,143.05$2,163.48$2,501.91
Cash to close$188,066$35,000$35,000