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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$175,714$175,714$227,610
Remaining term (yrs)24.824.830.0
Secondary amount$0$51,896$0
Funding fee$0$0$0
Note rate2.27%2.27%7.11%
Blended rate3.12%4.461%7.35%
1st payment$769.99$769.99$1,531.15
2nd payment$0.00$389.22$0.00
Taxes / mo$245.83$245.83$245.83
Insurance / mo$150.00$150.00$150.00
MI / mo$142.31$142.31$45.52
HOA / mo$358.00$358.00$358.00
Total monthly$1,666.13$2,055.35$2,330.50
Cash to close$77,186$25,290$25,290