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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$201,542$201,542$224,910
Remaining term (yrs)25.925.930.0
Secondary amount$0$35,863$0
Funding fee$0$0$0
Note rate5.55%5.55%7.18%
Blended rate6.4%7.227%7.42%
1st payment$1,221.68$1,221.68$1,523.62
2nd payment$0.00$354.89$0.00
Taxes / mo$465.17$465.17$465.17
Insurance / mo$150.00$150.00$150.00
MI / mo$151.57$151.57$44.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,988.41$2,343.30$2,183.77
Cash to close$48,358$12,495$24,990