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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$137,174$137,174$188,775
Remaining term (yrs)24.924.930.0
Secondary amount$0$51,601$0
Funding fee$0$0$0
Note rate2.87%2.87%7.11%
Blended rate3.72%5.163%7.35%
1st payment$641.26$641.26$1,269.90
2nd payment$0.00$387.00$0.00
Taxes / mo$175.58$175.58$175.58
Insurance / mo$150.00$150.00$150.00
MI / mo$109.55$109.55$37.76
HOA / mo$410.00$410.00$410.00
Total monthly$1,486.39$1,873.40$2,043.24
Cash to close$72,576$20,975$20,975