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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$86,219$86,219$188,100
Remaining term (yrs)18.018.030.0
Secondary amount$0$101,881$0
Funding fee$0$0$0
Note rate3.49%3.49%7.18%
Blended rate4.34%6.322%7.42%
1st payment$536.36$536.36$1,274.25
2nd payment$0.00$679.21$0.00
Taxes / mo$209.67$209.67$209.67
Insurance / mo$150.00$150.00$150.00
MI / mo$84.71$84.71$37.62
HOA / mo$360.00$360.00$360.00
Total monthly$1,340.74$2,019.94$2,031.54
Cash to close$122,781$20,900$20,900