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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$209,643$209,643$238,500
Remaining term (yrs)25.225.230.0
Secondary amount$0$28,857$0
Funding fee$0$0$0
Note rate3.12%3.12%7.11%
Blended rate3.97%4.579%7.35%
1st payment$998.53$998.53$1,604.40
2nd payment$0.00$216.43$0.00
Taxes / mo$223.00$223.00$223.00
Insurance / mo$150.00$150.00$150.00
MI / mo$165.22$165.22$47.70
HOA / mo$330.00$330.00$330.00
Total monthly$1,866.75$2,083.18$2,355.10
Cash to close$55,357$26,500$26,500