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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$123,250$123,250$235,350
Remaining term (yrs)20.220.230.0
Secondary amount$0$112,100$0
Funding fee$0$0$0
Note rate3.57%3.57%7.11%
Blended rate4.42%6.125%7.35%
1st payment$711.16$711.16$1,583.21
2nd payment$0.00$747.34$0.00
Taxes / mo$284.67$284.67$284.67
Insurance / mo$150.00$150.00$150.00
MI / mo$111.21$111.21$47.07
HOA / mo$0.00$0.00$0.00
Total monthly$1,257.04$2,004.37$2,064.95
Cash to close$138,250$26,150$26,150