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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$159,016$159,016$350,910
Remaining term (yrs)15.915.930.0
Secondary amount$0$191,894$0
Funding fee$0$0$0
Note rate2.77%2.77%7.18%
Blended rate3.62%6.015%7.42%
1st payment$1,026.19$1,026.19$2,377.19
2nd payment$0.00$1,279.29$0.00
Taxes / mo$485.33$485.33$485.33
Insurance / mo$150.00$150.00$150.00
MI / mo$138.77$138.77$70.18
HOA / mo$130.00$130.00$130.00
Total monthly$1,930.30$3,209.59$3,212.70
Cash to close$230,884$38,990$38,990