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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$126,372$126,372$202,500
Remaining term (yrs)20.420.430.0
Secondary amount$0$76,128$0
Funding fee$0$0$0
Note rate4.17%4.17%7.18%
Blended rate5.02%6.516%7.42%
1st payment$765.03$765.03$1,371.81
2nd payment$0.00$570.96$0.00
Taxes / mo$331.33$331.33$331.33
Insurance / mo$150.00$150.00$150.00
MI / mo$111.21$111.21$40.50
HOA / mo$0.00$0.00$0.00
Total monthly$1,357.57$1,928.53$1,893.64
Cash to close$98,628$22,500$22,500