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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$173,069$173,069$328,500
Remaining term (yrs)21.221.230.0
Secondary amount$0$155,431$0
Funding fee$0$0$0
Note rate3.94%3.94%7.11%
Blended rate4.79%6.309%7.35%
1st payment$1,000.56$1,000.56$2,209.84
2nd payment$0.00$1,036.21$0.00
Taxes / mo$340.33$340.33$340.33
Insurance / mo$150.00$150.00$150.00
MI / mo$149.53$149.53$65.70
HOA / mo$0.00$0.00$0.00
Total monthly$1,640.43$2,676.63$2,765.87
Cash to close$191,931$36,500$36,500