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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$126,145$126,145$305,100
Remaining term (yrs)13.913.930.0
Secondary amount$0$178,955$0
Funding fee$0$0$0
Note rate4.75%4.75%7.18%
Blended rate5.6%7.008%7.42%
1st payment$1,029.43$1,029.43$2,066.85
2nd payment$0.00$1,193.03$0.00
Taxes / mo$423.83$423.83$423.83
Insurance / mo$150.00$150.00$150.00
MI / mo$139.78$139.78$61.02
HOA / mo$0.00$0.00$0.00
Total monthly$1,743.05$2,936.08$2,701.71
Cash to close$212,855$33,900$33,900