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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$185,494$185,494$355,050
Remaining term (yrs)19.619.630.0
Secondary amount$0$169,556$0
Funding fee$0$0$0
Note rate3.57%3.57%7.18%
Blended rate4.42%6.13%7.42%
1st payment$1,091.87$1,091.87$2,405.23
2nd payment$0.00$1,130.37$0.00
Taxes / mo$334.58$334.58$334.58
Insurance / mo$150.00$150.00$150.00
MI / mo$170.75$170.75$71.01
HOA / mo$0.00$0.00$0.00
Total monthly$1,747.20$2,877.57$2,960.83
Cash to close$209,006$39,450$39,450