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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$187,664$187,664$234,900
Remaining term (yrs)21.521.530.0
Secondary amount$0$47,236$0
Funding fee$0$0$0
Note rate4.4%4.4%7.11%
Blended rate5.25%6.004%7.35%
1st payment$1,123.51$1,123.51$1,580.19
2nd payment$0.00$354.27$0.00
Taxes / mo$406.67$406.67$406.67
Insurance / mo$150.00$150.00$150.00
MI / mo$158.92$158.92$46.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,839.10$2,193.37$2,183.83
Cash to close$73,336$26,100$26,100