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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$142,730$142,730$405,000
Remaining term (yrs)15.515.530.0
Secondary amount$0$262,270$0
Funding fee$0$0$0
Note rate3.75%3.75%7.18%
Blended rate4.6%6.64%7.42%
1st payment$1,009.04$1,009.04$2,743.61
2nd payment$0.00$1,693.83$0.00
Taxes / mo$497.17$497.17$497.17
Insurance / mo$150.00$150.00$150.00
MI / mo$154.33$154.33$81.00
HOA / mo$0.00$0.00$0.00
Total monthly$1,810.53$3,504.36$3,471.78
Cash to close$307,270$45,000$45,000