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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$167,963$167,963$243,000
Remaining term (yrs)23.023.030.0
Secondary amount$0$75,037$0
Funding fee$0$0$0
Note rate3.64%3.64%7.18%
Blended rate4.49%5.883%7.42%
1st payment$897.24$897.24$1,646.17
2nd payment$0.00$562.77$0.00
Taxes / mo$253.50$253.50$253.50
Insurance / mo$150.00$150.00$150.00
MI / mo$139.10$139.10$48.60
HOA / mo$254.00$254.00$254.00
Total monthly$1,693.84$2,256.61$2,352.27
Cash to close$102,037$27,000$27,000