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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$189,651$189,651$238,500
Remaining term (yrs)27.527.530.0
Secondary amount$0$48,849$0
Funding fee$0$0$0
Note rate6.880%6.880%7.400%
Blended rate7.430%7.752%7.640%
1st payment$1,279.01$1,279.01$1,651.33
2nd payment$0.00$366.37$0.00
Taxes / mo$126.75$126.75$126.75
Insurance / mo$150.00$150.00$150.00
MI / mo$89.19$89.19$47.70
HOA / mo$0.00$0.00$0.00
Total monthly$1,644.95$2,011.32$1,975.78
Cash to close$75,349$26,500$26,500