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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$93,291$93,291$166,410
Remaining term (yrs)19.019.030.0
Secondary amount$0$73,119$0
Funding fee$0$0$0
Note rate3.87%3.87%7.18%
Blended rate4.72%6.601%7.42%
1st payment$576.79$576.79$1,127.32
2nd payment$0.00$548.39$0.00
Taxes / mo$216.83$216.83$216.83
Insurance / mo$150.00$150.00$150.00
MI / mo$86.94$86.94$33.28
HOA / mo$350.00$350.00$350.00
Total monthly$1,380.57$1,928.96$1,877.43
Cash to close$91,609$18,490$18,490