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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$184,361$184,361$283,410
Remaining term (yrs)21.421.430.0
Secondary amount$0$99,049$0
Funding fee$0$0$0
Note rate4.4%4.4%7.18%
Blended rate5.25%6.561%7.42%
1st payment$1,106.30$1,106.30$1,919.92
2nd payment$0.00$742.87$0.00
Taxes / mo$327.17$327.17$327.17
Insurance / mo$150.00$150.00$150.00
MI / mo$156.49$156.49$56.68
HOA / mo$0.00$0.00$0.00
Total monthly$1,739.96$2,482.82$2,453.77
Cash to close$130,539$31,490$31,490