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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$133,970$133,970$314,910
Remaining term (yrs)18.918.930.0
Secondary amount$0$180,940$0
Funding fee$0$0$0
Note rate3.89%3.89%7.18%
Blended rate4.74%6.613%7.42%
1st payment$832.15$832.15$2,133.31
2nd payment$0.00$1,206.27$0.00
Taxes / mo$348.67$348.67$348.67
Insurance / mo$150.00$150.00$150.00
MI / mo$125.12$125.12$62.98
HOA / mo$450.00$450.00$450.00
Total monthly$1,905.94$3,112.20$3,144.96
Cash to close$215,930$34,990$34,990