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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$112,581$112,581$152,910
Remaining term (yrs)19.619.630.0
Secondary amount$0$40,329$0
Funding fee$0$0$0
Note rate3.57%3.57%7.18%
Blended rate4.42%5.628%7.42%
1st payment$662.69$662.69$1,035.87
2nd payment$0.00$302.47$0.00
Taxes / mo$326.50$326.50$326.50
Insurance / mo$150.00$150.00$150.00
MI / mo$103.63$103.63$30.58
HOA / mo$0.00$0.00$0.00
Total monthly$1,242.82$1,545.28$1,542.95
Cash to close$57,319$16,990$16,990