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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$128,636$128,636$292,784
Remaining term (yrs)19.519.530.0
Secondary amount$0$164,149$0
Funding fee$0$0$0
Note rate3.69%3.69%7.11%
Blended rate4.54%6.48%7.35%
1st payment$767.36$767.36$1,969.58
2nd payment$0.00$1,094.32$0.00
Taxes / mo$277.17$277.17$277.17
Insurance / mo$150.00$150.00$150.00
MI / mo$118.24$118.24$58.56
HOA / mo$0.00$0.00$0.00
Total monthly$1,312.76$2,407.09$2,455.30
Cash to close$196,680$32,532$32,532