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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$113,361$113,361$170,100
Remaining term (yrs)19.919.930.0
Secondary amount$0$56,739$0
Funding fee$0$0$0
Note rate3.45%3.45%7.18%
Blended rate4.3%5.868%7.42%
1st payment$654.54$654.54$1,152.32
2nd payment$0.00$425.54$0.00
Taxes / mo$246.50$246.50$246.50
Insurance / mo$150.00$150.00$150.00
MI / mo$103.89$103.89$34.02
HOA / mo$286.00$286.00$286.00
Total monthly$1,440.93$1,866.47$1,868.84
Cash to close$75,639$18,900$18,900