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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$154,901$154,901$269,910
Remaining term (yrs)20.420.430.0
Secondary amount$0$115,009$0
Funding fee$0$0$0
Note rate4.17%4.17%7.18%
Blended rate5.02%6.29%7.42%
1st payment$937.74$937.74$1,828.46
2nd payment$0.00$766.72$0.00
Taxes / mo$474.67$474.67$474.67
Insurance / mo$150.00$150.00$150.00
MI / mo$136.32$136.32$53.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,698.72$2,465.45$2,507.11
Cash to close$144,999$29,990$29,990