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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$123,706$123,706$278,910
Remaining term (yrs)21.521.530.0
Secondary amount$0$155,204$0
Funding fee$0$0$0
Note rate4.47%4.47%7.18%
Blended rate5.32%6.811%7.42%
1st payment$743.64$743.64$1,889.43
2nd payment$0.00$1,034.69$0.00
Taxes / mo$264.08$264.08$264.08
Insurance / mo$150.00$150.00$150.00
MI / mo$104.33$104.33$55.78
HOA / mo$0.00$0.00$0.00
Total monthly$1,262.05$2,296.74$2,359.30
Cash to close$186,194$30,990$30,990