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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$208,288$208,288$269,910
Remaining term (yrs)24.724.730.0
Secondary amount$0$61,622$0
Funding fee$0$0$0
Note rate3.02%3.02%7.18%
Blended rate3.87%5.041%7.42%
1st payment$994.35$994.35$1,828.46
2nd payment$0.00$462.16$0.00
Taxes / mo$269.00$269.00$269.00
Insurance / mo$150.00$150.00$150.00
MI / mo$166.63$166.63$53.98
HOA / mo$375.00$375.00$375.00
Total monthly$1,954.98$2,417.14$2,676.45
Cash to close$91,612$29,990$29,990