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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$140,185$140,185$197,550
Remaining term (yrs)25.125.130.0
Secondary amount$0$57,365$0
Funding fee$0$0$0
Note rate2.99%2.99%7.18%
Blended rate3.84%5.338%7.42%
1st payment$661.08$661.08$1,338.27
2nd payment$0.00$430.24$0.00
Taxes / mo$205.83$205.83$205.83
Insurance / mo$150.00$150.00$150.00
MI / mo$111.21$111.21$39.51
HOA / mo$0.00$0.00$0.00
Total monthly$1,128.13$1,558.37$1,733.62
Cash to close$79,315$21,950$21,950