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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$167,862$167,862$269,100
Remaining term (yrs)22.122.130.0
Secondary amount$0$101,238$0
Funding fee$0$0$0
Note rate4.85%4.85%7.18%
Blended rate5.7%6.565%7.42%
1st payment$1,031.08$1,031.08$1,822.98
2nd payment$0.00$674.92$0.00
Taxes / mo$354.83$354.83$354.83
Insurance / mo$150.00$150.00$150.00
MI / mo$138.40$138.40$53.82
HOA / mo$180.00$180.00$180.00
Total monthly$1,854.32$2,529.24$2,561.63
Cash to close$131,138$29,900$29,900