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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$143,151$143,151$179,910
Remaining term (yrs)26.326.330.0
Secondary amount$0$36,759$0
Funding fee$0$0$0
Note rate6.15%6.15%7.18%
Blended rate6.7%7.17%7.42%
1st payment$914.55$914.55$1,218.77
2nd payment$0.00$275.70$0.00
Taxes / mo$305.58$305.58$305.58
Insurance / mo$150.00$150.00$150.00
MI / mo$68.80$68.80$35.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,438.94$1,714.63$1,710.34
Cash to close$56,749$19,990$19,990