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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$106,960$106,960$283,410
Remaining term (yrs)14.814.830.0
Secondary amount$0$176,450$0
Funding fee$0$0$0
Note rate4.6%4.6%7.18%
Blended rate5.45%7.038%7.42%
1st payment$826.92$826.92$1,919.92
2nd payment$0.00$1,176.33$0.00
Taxes / mo$348.17$348.17$348.17
Insurance / mo$150.00$150.00$150.00
MI / mo$114.26$114.26$56.68
HOA / mo$0.00$0.00$0.00
Total monthly$1,439.34$2,615.67$2,474.77
Cash to close$207,940$31,490$31,490