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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$126,568$126,568$251,999
Remaining term (yrs)18.418.430.0
Secondary amount$0$125,431$0
Funding fee$0$0$0
Note rate3.62%3.62%7.11%
Blended rate4.47%6.227%7.35%
1st payment$783.01$783.01$1,695.21
2nd payment$0.00$836.21$0.00
Taxes / mo$389.08$389.08$389.08
Insurance / mo$150.00$150.00$150.00
MI / mo$121.69$121.69$50.40
HOA / mo$0.00$0.00$0.00
Total monthly$1,443.79$2,279.99$2,284.70
Cash to close$153,431$28,000$28,000