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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$99,105$99,105$229,500
Remaining term (yrs)16.416.430.0
Secondary amount$0$130,395$0
Funding fee$0$0$0
Note rate3.53%3.53%7.11%
Blended rate4.38%6.437%7.35%
1st payment$661.08$661.08$1,543.86
2nd payment$0.00$869.30$0.00
Taxes / mo$251.50$251.50$251.50
Insurance / mo$150.00$150.00$150.00
MI / mo$103.89$103.89$45.90
HOA / mo$332.00$332.00$332.00
Total monthly$1,498.47$2,367.78$2,323.26
Cash to close$155,895$25,500$25,500