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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$176,363$176,363$539,910
Remaining term (yrs)19.619.630.0
Secondary amount$0$363,547$0
Funding fee$0$0$0
Note rate3.6%3.6%7.18%
Blended rate4.45%6.672%7.42%
1st payment$1,040.85$1,040.85$3,657.54
2nd payment$0.00$2,347.91$0.00
Taxes / mo$433.92$433.92$433.92
Insurance / mo$166.67$166.67$166.67
MI / mo$162.16$162.16$107.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,803.60$4,151.50$4,366.10
Cash to close$423,537$59,990$59,990