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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$57,855$57,855$206,910
Remaining term (yrs)15.415.430.0
Secondary amount$0$149,055$0
Funding fee$0$0$0
Note rate3.980%3.980%7.400%
Blended rate4.830%7.114%7.640%
1st payment$417.30$417.30$1,432.60
2nd payment$0.00$993.70$0.00
Taxes / mo$68.33$68.33$68.33
Insurance / mo$150.00$150.00$150.00
MI / mo$62.06$62.06$41.38
HOA / mo$0.00$0.00$0.00
Total monthly$697.69$1,691.39$1,692.32
Cash to close$172,045$22,990$22,990