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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$139,595$139,595$198,000
Remaining term (yrs)23.523.530.0
Secondary amount$0$58,405$0
Funding fee$0$0$0
Note rate3.36%3.36%7.18%
Blended rate4.21%5.623%7.42%
1st payment$714.90$714.90$1,341.32
2nd payment$0.00$438.04$0.00
Taxes / mo$262.58$262.58$262.58
Insurance / mo$150.00$150.00$150.00
MI / mo$114.76$114.76$39.60
HOA / mo$0.00$0.00$0.00
Total monthly$1,242.24$1,680.28$1,793.50
Cash to close$80,405$22,000$22,000